Two Everyday Scenarios That Show How Your Pedal Power Insurance Has You Covered
Most of the time, your rides will be uneventful in the best possible way. But when something unexpected happens, it helps to know you’re not facing it alone.
Here are two fictional examples that show how Pedal Power’s membership insurance can support you, whether you’re injured yourself or accidentally cause harm to someone else.
If something happens while you’re riding or volunteering, we recommend completing an incident report (click for PDF download) (click for Word download) within two weeks, even if you’re unsure whether a claim will be needed. You’ll find the form on our website.
When You’re the One Who’s Hurt - John Cyclist’s Story
John was enjoying a relaxed weekend ride along one of Canberra’s shared paths when a moment’s distraction caused his wheel to slip off the edge. He toppled, landed awkwardly on his wrist, and ended up needing medical care and follow-up physiotherapy.
Nothing dramatic, nothing heroic, just the kind of everyday mishap that can happen to any rider. But it did incur unexpected costs and a brief pause in his casual work.
What helped was discovering that his Pedal Power membership included Personal Accident Insurance designed for everyday situations just like this.
What John’s cover included:
Support for non-Medicare medical expenses, such as physio, ambulance transport and some surgical procedures
Income support during the brief period he couldn’t work
Medicare-related expenses can’t be reimbursed, and private health insurance must be used first, but this coverage can help with out-of-pocket costs that fall outside both systems.
What’s not covered: damage to John’s bike or gear. Riders wanting cover for bicycles or accessories need separate insurance.
If you ever need to claim:
Seek medical care and keep all receipts for non-Medicare expenses
Complete the Personal Injury Claim Form
Gather medical reports and details of the incident
Submit everything to Pedal Power as soon as possible
John healed quickly and was back on the bike soon after. Insurance didn’t stop the fall, but it did make the aftermath easier to manage.
When Something Goes Wrong Around You - Jane Rider’s Story
Jane was cycling to work on a crisp morning, cruising down a leafy shared path with a podcast in one earbud and that light, happy feeling you get when the day’s off to a good start.
As she approached a row of parked cars, a pedestrian stepped out suddenly from behind a ute. Jane braked hard and did her best to avoid a collision, but her handlebars clipped their arm. The pedestrian stumbled, dropped their phone, and it hit the concrete with a crack that made both of them wince.
They were more startled than hurt, but the broken phone and talk of possible medical follow-up left Jane feeling rattled. Even for confident riders, that sinking feeling of what if they make a claim against me? can linger.
That’s when she learnt about the other side of her Pedal Power membership: Public and Products Liability Insurance.
It’s the quiet achiever of the insurance package and something many members don’t realise they have.
What Jane’s cover included:
Protection if someone makes a claim against her for injury or property damage
Cover for legal costs if the matter escalates
Reassurance that she wasn’t facing a potential claim alone
For Jane, the relief was immediate. The incident still needed to be sorted out calmly and respectfully, but she no longer felt the weight of facing it on her own. She could breathe, respond thoughtfully, and get back to riding with confidence.
Why These Scenarios Matter
Most members hope they’ll never need to use their insurance, and for many, that holds true. But when something unexpected does happen, having this protection in place makes a genuine difference. Whether it’s covering your own recovery or supporting you if someone else is affected, it provides the peace of mind that lets you focus on what really matters: getting back out there and enjoying the ride.
