Why We’re Better
Cycle insurance the Wiggle way
As cyclists we know how it feels when the bad stuff happens, that’s why our benefits are all about making your bicycle insurance experience straightforward and as painless as possible in the event of a claim. Compare our standout bicycle insurance benefits and find out what they mean for you as a cyclist.
| Benefit | Wiggle | Home and contents | Bicycle membership | Other specialists |
|---|---|---|---|---|
| Income replacement: | ||||
What this means for you |
Unable to work after a crash? Get up to 12 months of income replacement and rest easy. |
No choice but to stay home? How far will you fall behind on payments? |
wait 2 weeks until you can begin the process of claiming |
Receive no cover in the event you can not work, even if for a short period of time. |
| Benefit | Wiggle | Home and contents | Bicycle membership | Other specialists |
|---|---|---|---|---|
| Funeral cover: | unlikely | unlikely | ||
What this means for you |
We will provide up to $5000 to your family to assist with these costs, relieving unnecessary stress. |
Go through the process of claiming, only to find out you are not covered. |
you will receive financial assistance on a small scale |
Your loved ones won’t receive any financial assistance in this worst case scenario |
| Benefit | Wiggle | Home and contents | Bicycle membership | Other specialists |
|---|---|---|---|---|
| Race Cover: | ||||
What this means for you |
Accident while racing in the bunch? You are fully covered for up to $30K. Race without restriction |
your bike will not be covered in the event you are racing and doing what you love |
Looking to level up and start racing? They will not provide race cover |
Go through a delayed claims process when looking to claim back and get back to training |
| Benefit | Wiggle | Home and contents | Bicycle membership | Other specialists |
|---|---|---|---|---|
| Accidental damage: | unlikely | |||
What this means for you |
Receive up to $30K in damage replacement to your beloved bike, whether it be a pothole or a high speed crash |
best not take your bike out for a ride because you are not covered for any damages in any situation |
Riding you new bike with your cycling member buddies? Try not to fall because you are not covered |
Be Limited to $10K cover on repairing your bike in the event it gets damaged. |
| Benefit | Wiggle | Home and contents | Bicycle membership | Other specialists |
|---|---|---|---|---|
| Excess charges: | ||||
What this means for you |
Pay half the excess that other specialist charge when making a claim. $250 for a full replacement of your bike? We ve got you covered!! |
Large excess when claiming with people who dont know bikes and the costs involved like we do |
Up to $1000 excess on any and all claims. Sounds a bit extreme if you ask us. |
$500 excess when claiming on even the smallest amounts. Is it worth it? |
