Cycle insurance for riding on multiple terrains. Your trusty hybrid stead will be covered for both on and off road riding.
If you own an all-round bike, you’ll need all-round cover. Whether you’re riding through towns or cities, or navigating off road on the dirt paths, the hybrid can do it all. There’s a downside to being an all-rounder, a bike that can ride on multiple terrains is more vulnerable to risk.
As a hybrid rider, here’s why you should consider cycle insurance:
Many cyclists are happy to have their home insurance cover their bikes as it’s usually inexpensive. However, don’t assume you bike is covered as home insurers will sometimes have limitations and exclusions on how your cycle can be used. Home insurance simply wasn’t designed to insure the modern cyclist.
Once outside the home, almost no home insurance covers accidental damage, personal accident, public liability or any of the other benefits usually associated with specific cycling insurance. Home insurers often impose large excess amounts commonly in the region of $1000 and in addition to this, your home insurance ‘no claims’ may be affected. We recommend you carefully assess the level of cycle cover you have on your home insurance and what your exposure is in the event of claim.
If your bike is stolen or accidentally damaged, we’ll sort it out. Your bicycle may be stolen from your home or from outside your regular coffee stop, if the worst happens we’ll replace your bike with a brand new one if it’s under two years old. Any bike older than two years will be replaced with a like for like model. Either way, you’re covered. We even insure your bike when locked in your car or when secured to your bike rack.
You may be concerned about accidental damage if you’ve ever hit a pothole at speed, slipped on oil or cornered a little bit too fast. We’ll cover you for repairs or a complete replacement and even replace any accessories listed on your policy that were damaged at the same time.
If you are injured as a result of a crash whilst riding your bicycle and these injuries prevent you from driving or being able to use other available modes of public transport we will reimburse the reasonable costs you incur for the hire of a suitable chauffeur vehicle or taxi to transport you from your address to your normal place of work and back.
We will pay up to $4,000 during any one period of insurance.
If you’re out riding and accidentally run into a pedestrian, or cause damage to the property of a third party, Wiggle Comprehensive offers liability cover for Third Party Property Damage and Third Party Bodily Injury up to $10 000 000.