Member insurance
Insurance for peace of mind.
Pedal Power's member insurance program includes personal accident and public liability cover, subject to the policy terms, schedules, limits and exclusions.
This page is a general guide only and is not insurance or financial advice. The current policy wording and schedules prevail.
What the program includes
Two types of cover.
Different purposes.
These summaries are drawn from the published 2025 to 2026 member insurance summary. They do not replace the full policies.
01 / Personal accident
Support when a covered person is injured
You are covered while cycling or taking part in specified Pedal Power activities.
- Non-Medicare medical expenses up to $10,000, with a $50 excess per claim
- Reimbursement only, with private health insurance claimed first where applicable
- Income support listed as the lesser of $1,200 per week or 85% of salary, for up to 52 weeks
- A 7-day waiting period and other conditions apply to income support
02 / Public liability
Protection when legal liability is established
This covers you when you are found legally liable for injury or property damage arising from cycling.
- Limit of $5,000,000
- Worldwide cover excluding the USA and Canada
- Policy terms, exclusions and an applicable excess apply
- Do not admit liability. Notify Enrizen immediately if an incident may lead to a liability claim
Insurance in real life
For Jill, the hospital was only the beginning.
After a cycling crash, she needed surgery for a complex hip fracture. Then came a long recovery with physio, remedial massage, hydrotherapy and other eligible expenses.
Pedal Power's member story explains that more than $5,000 in eligible out-of-pocket expenses was reimbursed over the following year. Every claim is different, but Jill's experience shows how member insurance can matter well beyond the day of a crash.
Read full storyin eligible out-of-pocket expenses reimbursed, as described in Jill's story.
Individual claim outcomes and benefits will vary.
Know the boundaries
What is not covered?
This is not a complete list of exclusions. Read both policies and schedules for the full position.
If something happens
Start in the right place.
Claim outcomes are decided by the insurer. Keep records and notify the right people as soon as possible.
Personal accident claim
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1
Get the care you need
Keep relevant receipts, invoices, medical information and incident details.
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2
Complete the claim form
Fill in all required sections and attach the supporting documents requested.
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3
Send it to Pedal Power
Pedal Power completes the declaration and helps forward the claim to Enrizen.
Potential liability claim
Contact Enrizen immediately if an incident may result in a liability claim.
Safety first
Been involved in a crash?
Follow Pedal Power's practical steps for safety, evidence and follow-up.
Good to know
Frequently Asked Questions.
For a decision about your circumstances, contact Enrizen and read the policy documents.
Visit Enrizen's program pageIs my bicycle or equipment insured?+
No. Your bicycles and associated equipment, as well as personal property, are not covered by this program.
Can Medicare expenses or the Medicare gap be reimbursed?+
No. Only eligible non-Medicare medical expenses are claimable and that the Medicare gap cannot be reimbursed.
Do I claim through my private health fund first?+
Yes, where applicable. Members with private health insurance must claim from that fund first.
Does cover apply overseas?+
Yes, your personal accident cover is applicable anywhere in the world. Public liability cover is worldwide excluding the USA and Canada. All policy terms and exclusions still apply.
Is racing covered?+
No, racing or competitive events are not covered unless they are organised and sanctioned by Pedal Power.
Does listing a benefit guarantee that my claim will be paid?+
No. Eligibility, the circumstances of the incident, exclusions, limits, evidence and the insurer's assessment all affect whether a claim is accepted and what benefit may be payable.
Source documents
The detail matters.
Read each policy together with its schedule. These are the authoritative documents if the summary and policy differ.
Need a definitive answer?