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:
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 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.
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.
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.