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:
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 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.