Audax as part of its membership provides 24/7 Personal Accident (including death and permanent injury, non-Medicare medical expenses, loss of income and student tutorial benefits) and Personal Liability Insurance.
Volunteers, both member and non-member have the same coverage as riders whilst volunteering on Audax events.
Members who are under 18 years of age or who are not citizens or permanent residents of Australia have coverage only whilst riding on Audax rides in Australia.
The Audax insurance broker is Tresidder Insurance Group Pty Ltd and the insurers for the program are:
Audax Australia Cycling Club Incorporated does not provide advice about the insurance or whether it is appropriate for your needs, financial situation or objectives. Access to this insurance is provided to Audax members in accordance with section 48 of the Insurance Contracts Act 1984 (Cth) and members do not have a contract with Chubb or Sports Underwriting and cannot cancel or vary the cover. As a member, you are not obliged to accept any of the benefits of the cover. However, if you wish to make a claim under the cover provided, you will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in the Product Disclosure Statement.
Our Personal Accident Insurance covers you for injuries sustained while riding your bike. The most commonly claimed expenses are for non-Medicare medical expenses and loss of income.
The following are key exclusions and restrictions with coverage:
This is not a comprehensive list of what is not covered under the policy. Please read the PDS, Schedule and SPDS for full details of the benefits and limitations including terms and conditions.
For full details of benefits payable refer to the Policy using the link below.
| Accidental Death | * Under 65 Years old $50,000 * 65 to 79 Years old $10,000 * 80 years and over $10,000 |
| Total Permanent Disability | * Under 65 Years old $100,000 * 65 to 79 Years old $100,000 * 80 years and over $10,000 |
This benefit provides supplementary income where a covered person has sustained an injury due to a cycling accident covered by the policy and is unable to work or can only work in a reduced capacity. Common examples include a member/volunteer breaking bones following a cycling accident where they are unable to work, their income will be topped up until back at work subject to the policy terms and conditions.
| Benefit Amount | * 85% of income to a maximum of $500 per week * Excess period: 21 days (the time away from work before being able to make a claim) * Benefit period: 52 weeks * No cover available for over 75’s * No cover under this section when riding for remuneration or financial reward i.e. Uber, Deliveroo etc. |
Please Note – For claims involving Workers Compensation or Accident Compensation schemes, the benefits payable may differ.
This benefit provides cover for Non-Medicare medical expenses incurred because of an injury sustained in an accident whilst cycling, or when volunteering, the ‘Medicare Gap’ is unable to be claimed due to government legislation.
Common Non-Medicare Medical Expenses include Private Hospital, Physiotherapy, Chiropractic, Osteopathy, and Dental (excluding dentures).
| Benefit Amount | * Up to $5,000 per injury * Excess: $75 for each injury (nil excess for Volunteers or when claiming through Private Health first) * Costs will only be reimbursed up to 52 weeks from when the injury occurred |
Ambulance service can generally only be covered when an injury is sustained from a cycling accident whilst participating in organised rides where Audax is the organiser and officiator
This benefit is only payable where there is a weekly injury claim. The benefit provides cover for taxi/chauffeur costs to and from the normal place of residence and work, due to partial incapacity as a result of injury to a covered person.
Medical evidence is required from a doctor or specialist to certify the covered person is unable to drive or travel on other modes of public transport.
| Benefit Amount | * $1,000 * Excess: Nil * Costs will only be reimbursed up to 52 weeks from when the injury occurred |
This benefit provides cover for out of pocket expenses necessarily incurred arising from injury covered by the policy and is not insured anywhere else on the policy. Common out of pocket expenses includes Medical Aids i.e. Knee Braces and Crutches, Transport costs to and from medical appointments. Medicines.
| Benefit Amount | * Up to $3,000 * Excess: Nil * Costs will only be reimbursed up to 52 weeks from when the injury occurred |
The full policy wording is available here
Our Public Liability Insurance pays for costs you are liable for in the event you cause bodily injury to someone or damage their property as a result of negligence whilst riding a bicycle. This means, for example, if you are in a collision with a motor vehicle, and the owner takes action against you, you are covered, even if you were at fault.
| Limit of cover | * General Liability $20,000,000 * Professional Indemnity $5,000,000 |
| Excess | * $2,500 |
| Key Exclusions | * No cover for members conduct intended to cause personal injury or property damage and/or conduct with reckless disregard for personal injury or property damage |
This is not a comprehensive list of what is not covered under the policy. Please read the PDS, Schedule and SPDS for full details of the benefits and limitations including terms and conditions
The full policy wording is available here
Is my bike insured?
Am I insured whilst riding overseas?
Am I covered by the Personal Accident Insurance if I am unemployed, a full time student or a pensioner?
Can I claim on my Private Health Insurance as well as the personal accident policy?
Is the Medicare Gap claimable under the Personal Accident Policy?
Am I covered if I damage someone else’s property whilst participating in a Bicycle Riding Activity?
Am I covered if I cause bodily injury to someone else whilst participating in a Bicycle Riding Activity?
What do I do if I am involved in an incident?
If a member has other insurances for accidental death & total permanent disablement can a claim be made under the Audax policies?
How do I make a claim?
