We’ve got you covered

BQ membership continues to offer the most comprehensive insurance cover for the best price. We have worked closely with our insurance brokers, V-Insurance Group, to design a quality insurance program, while maintaining the lowest possible costs for our members. Whether you roll along on a roadie, eBike or MTB, use your wheels for commuting or recreation – we’ve got you covered when you need it.

BQ membership provides you with worldwide personal accident cover, income protection, and public liability insurance (third party cover) within Australia. We’ve got you covered 24/7, including commuting to work, on a training ride or participating in an organised cycling event (excluding a race), and travel to and from these activities.

Personal Accident

If you are injured in an accident riding anywhere in the world (even if it is your fault) we’ve got you covered for medical expenses such as physio, private hospital fees, and dental.

Income Protection

If you are unable to work as a result of an accident on your bike anywhere in the world, we’ve got you covered for loss of income. Protection includes 85% of your income.

Third Party Coverage

If you are held liable for a negligent act resulting in property damage or bodily injury to a third party within Australia, we’ve got you covered with public liability insurance up to a $20 million.

Here’s a snapshot of the insurance benefits available to Bicycle Queensland members in the unlikely event on an accident, regardless of fault:
INSURANCE BENEFITSLIMIT
Non-Medicare Medical Expenses85% up to $7,500 ($50 excess. Nil excess if covered under private health insurance)
Rehabilitation BenefitUp to $10,000
Loss of Income85% up to $800 per week (28 day waiting period)
Student Tutorial Benefit100% of $200 per week (7 day waiting period)
Accommodation and Transport BenefitUp to $500
Bedcare BenefitUp to $200 (48 hour waiting period)
Chauffeur Benefit$200 per week to a maximum of $5,000
Domestic Help Benefit100% of $200 per week (7 day waiting period)
Parents Inconvenience Benefit100% of $200 per week (7 day waiting period)
Out of Pocket Expenses$200 per week to a maximum of $2,000
Unexpired Membership BenefitUp to $500
Modification Benefit80% of costs to a maximum of $10,000
Permanent DisabilityUp 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 or damage while riding your bike, please contact us on (07) 3844 1144 or email bqinfo@bq.org.au to request a claim form.