Cycle Insurance for Mountain Bikers

Mountain bike insurance

If your main passion is mountain biking we can understand why. It’s a great individual sport that requires endurance, core strength and balance, bike handling skills and self-reliance. It’s also a sport which presents a number of risks to both rider and equipment, which is where cycle insurance can help.

Home Insurance alert
Home Insurance alert

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.

Theft & Accidental Damage
Theft & Accidental Damage

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.

Accessories & Clothing
Accessories & Clothing

At Wiggle we know how valuable a cyclist’s kit can be so we offer an optional cover on our Comprehensive product to protect your GPS, clothing, footwear, wetsuit and all other accessories in the event they’re stolen or damaged. We are the only cycle insurance provider that allows you to insure accessories and kit without a maximum value. Just list it on your policy and you’re protected.

Emergency Private Medical, Dental and Physiotherapy
Emergency Private Medical, Dental and Physiotherapy

If you are injured as a result of a crash whilst riding your bicycle, we will reimburse your reasonable costs, up to a maximum of $10,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury. Examples of non-Medicare medical expenses include ambulance, physiotherapy and dentistry.

Active Cover
Active Cover

With so many sportives, charity challenges, time trials and mass participation events on offer, it’s essential to get insurance for you and your bike, before, during and after the finish line.

So if you regularly front the peloton or take part in a once a year charity challenge, Wiggle Comprehensive offers cover for you, your bicycle and your specified kit in the AU, with the option to extend your cover to global travel. Don’t risk riding without cycle insurance.

Our Cycle Insurance

At Wiggle, we love bikes.
That’s why we’ve developed Wiggle Cycle Insurance, we want people to experience the joy of cycling without having to worry about the bad stuff.

We’ve made it easy for cyclists to find the right policy for their ride and their pocket. We offer two straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, exceptional value, and a claims service to get you back on your bike as quickly as possible, should you need it. Enjoy your ride in the knowledge that you have the right cover. Wiggle Cycle Insurance we’re for the #goodstuff.

/ Essential Cover

Essential Cover insurance for only $100 a year.
Non-Medicare medical costs $10,000
Accidental damage $1,500
Malicious damage $1,500
Income replacement $50,000
Theft at or away from home $1,500
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $100,000
Loss and damage in transit up to $1,500
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Counselling support $2,000
View all benefits

/ Comprehensive Cover

Comprehensive Cover insurance could be for you if you’re looking for cover for racing, travel and up to $30k of theft.
Non-Medicare medical costs $10,000
Accidental damage $30,000
Malicious damage $30,000
Income replacement $50,000
Theft at or away from home $30,000
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $100,000
Loss and damage in transit up to $30,000
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Parent incovenience expense $2,000
View all benefits

What we cover

Wiggle Cycle Insurance is designed to protect every type of bicycle.
There’s no need for specialist mountain bike insurance, triathlon insurance or road bike insurance – our straightforward policy fits all!​