Whether you race or cycle for fun we can insure you and your bicycle against the risks you may face on the road.
There’s nothing quite like the open road. Whether that’s a gentle ride with friends, a Box Hill climb (and coffee stop) or a challenging sportive, road cycling gives all levels of riders an opportunity to enjoy the thrill of the ride. By insuring your bike with Wiggle, we’ll give you peace of mind, giving you more time to focus on having fun (or serious training of course).As a road cyclist, here’s five good reasons why you should consider Wiggle Cycle Insurance:
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
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.
Income Replacement
If you are injured as a result of a crash whilst riding your bicycle and are unable to perform your usual or regular occupation, we will pay you UP TO $1,000 per week for a period of up to 50 weeks in any one period of insurance.
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.
Third Party Liability
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.
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.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!-
Road BikesWhether you race or cycle for fun we can insure you and your bicycle against the risks you may face on the road.
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Mountain BikesWhether you enjoy cross country or the adrenaline of downhill, our cycle insurance protects both rider and equipment in their pursuit for off road thrills. -
E-BikesWe have thought of everything so you don’t have to. Our E-Bike cover offers you everything you would expect from a specialist bicycle insurer. -
Hybrid BikesCycle insurance for riding on multiple terrains. Your trusty hybrid will be covered for both on and off road riding. -
Commuter BikesCommute in confidence in the knowledge that you’re insured when riding on busy City roads.
