Membership

Insurance

Our Insurance Has You Covered

Become a member of Pedal Power ACT and enjoy peace of mind every time you ride. As part of your membership, you’re protected with comprehensive insurance that covers you 24 hours a day, 7 days a week, anywhere in the world.

🛑 Note: Racing or competitions not organised by Pedal Power ACT are not covered.

Coverage Overview

Personal Accident Insurance

Provides protection if you are injured while cycling or volunteering with Pedal Power ACT.

  • Death & Permanent Disability

    • Under 65: Up to $25,000

    • 65 and over: Up to $10,000

    • Voluntary Workers: Up to $50,000

  • Non-Medicare Medical Expenses

    • Up to $10,000 (with $50 excess)

    • Covers physiotherapy, surgery, ambulance services & more

  • Income Support

    • Up to $1,200/week or 85% of salary (whichever is lower)

    • Payable for up to 52 weeks after a 7-day waiting period

Additional Benefits: Student tutorial costs, childcare benefits, modification expenses & more.

📌 Medicare-related expenses are not covered by law. Claims must first be submitted to private health insurance where applicable.

Public Liability Insurance

Protects you against claims for injury to others or damage to property arising from negligent cycling incidents.

  • Global Coverage: 24/7, anywhere in the world

  • Limit of Liability: up to $5,000,000

  • Policy Excess: $1,000 per claim

What Is Not Covered?

  • Damage or loss of bicycles and cycling equipment

  • Personal property

  • Racing (unless organised and sanctioned by Pedal Power ACT)

  • Riding for business or courier purposes

It is strongly recommended that members arrange separate insurance for their bicycle and gear.

Making a Claim

Personal Accident

  1. Download and complete the Personal Injury Claim Form

  2. Submit to Pedal Power ACT with supporting documents.

Public Liability

📩 Questions? Email enquiries@enrizen.com.au or visit Enrizen’s Insurance Page

🚨 What to Do If You’re Involved in a Crash

  1. Call Authorities

    • Dial 13 1444 from the scene or 000 in emergencies.

  2. Gather Key Details

    • Other party’s name, address, insurance info, and vehicle details (registration, make, model).

  3. Collect Witness Information

    • Names, phone numbers, and statements from witnesses.

  4. Document the Scene

    • Take photos and keep damaged items.

  5. Notify Police

    • Request Traffic Operations, note submission ID & date.

  6. Seek Medical Attention

    • See a doctor and photograph injuries.

  7. Track Expenses

    • Retain receipts for all crash-related costs.

Frequently Asked Questions

  • If you are a member of Pedal Power ACT and you have suffered an injury whilst riding your bicycle at any time, anywhere in the world, you are covered by our insurance.

    This includes everyday riding, training, racing (in Pedal Power events only), and participating in cycling events or activities organised by Pedal Power or any other organisation – unless you are riding for work. The cover does not extend to bike couriers or people riding for fare or reward.

  • Our Personal Accident Insurance covers you for injuries you sustain while riding your bike. The most commonly claimed expenses are for non-medicare medical expenses and loss of income.

    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 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.

    Our Professional Indemnity Insurance covers you if you are injured while volunteering with Pedal Power, even if you are not a member.

    The Pedal Power ACT Board closely monitors and reviews the insurance cover incorporated into Pedal Power’s membership in order to offer the best possible value to our members.

    The Board reviews and renews our member insurance terms each year in November. At this point, the Board may choose to vary our membership insurance cover provided with Pedal Power membership.

  • Our cover does not include personal property such as bikes and associated equipment. We encourage you to arrange separate insurance for these items.

  • To make a claim, download and complete a Personal Injury claim form or a liability claim form and return to us with supporting documentation.

    If an incident occurs where you believe you may be held liable by a third party, contact our insurance provider, Enrizen, as soon as possible on 02 8316 3950.

    Please check out this page for more details.

Who can I contact for assistance?

🔄 Stay Covered

Your insurance starts when your membership payment is received and ends at 11:59 PM on your expiry date. Renew promptly to maintain protection.

👉 Join Pedal Power ACT

📜 View Full Insurance Summary