We have you covered
Bicycle Queensland memberships* offer great value bike riding insurance cover. We work closely with our insurance brokers, V-Insurance Group, to design a quality insurance program, while maintaining the lowest possible cost for our members.
Our memberships* provide you with worldwide personal accident cover, income protection, and public liability insurance within Australia. You’re covered 24/7 no matter what type of bike you ride or where you ride, from trails to paths to roads, and whether you ride solo, in a group or in organised riding events (excluding races).
* Excludes BQ Supporter Memberships
Public liability insurance for e-scooter riders is also available! You can purchase this as an add-on to Individual, Concession or BQ Supporter memberships.
Personal Accidents
If you are injured in an accident riding anywhere in the world (even if it is your fault) you’re covered for non-Medicare medical expenses such as physio, private hospital fees, and dental. If you have private health insurance, you can claim your out-of-pocket expenses.
Income Protection
If you are unable to work as a result of an accident on your bike anywhere in the world, you’re covered for loss of income. Protection includes 85% of your income (up to $800/wk).
Public Liability
If you are held liable for a negligent act resulting in property damage or bodily injury to a third party within Australia, you’re covered for public liability insurance of up to a $20 million.
Here’s a snapshot of the insurance benefits available to Bicycle Queensland members in the event on an accident, regardless of fault:
| INSURANCE BENEFITS | LIMIT |
| Non-Medicare Medical Expenses | 85% up to $7,500 ($50 excess. Nil excess if covered under private health insurance) |
| Rehabilitation Benefit | Up to $10,000 |
| Loss of Income | 85% up to $800 per week (28 day waiting period) |
| Student Tutorial Benefit | 100% of $200 per week (7 day waiting period) |
| Accommodation and Transport Benefit | Up to $500 |
| Bedcare Benefit | Up to $200 (48 hour waiting period) |
| Chauffeur Benefit | $200 per week to a maximum of $5,000 |
| Domestic Help Benefit | 100% of $200 per week (7 day waiting period) |
| Parents Inconvenience Benefit | 100% of $200 per week (7 day waiting period) |
| Out of Pocket Expenses | $200 per week to a maximum of $2,000 |
| Unexpired Membership Benefit | Up to $500 |
| Modification Benefit | 80% of costs to a maximum of $10,000 |
| Permanent Disability | Up to $100,000 |
| Death Benefit | $50,000 aged 18-65 years $20,000 aged under 18 or over 65 years |
| Funeral Expenses | $10,000 |
| Injury you cause to someone else | $20 million ($1,000 excess) |
| Damage you cause to someone else’s property | $20 million ($1,000 excess) |
Please refer to our Member Insurance Program Summary or visit the V-Insurance Group page for further information.
How to make a Personal Accident or Public Liability Claim
If you are an eligible member of Bicycle Queensland and you have suffered an injury or caused an accident while riding your bike or e-scooter, please contact us on (07) 3844 1144 or email membership@bq.org.au to discuss how to make a claim.