Insurance ...??

[cookiemonster]

Do you insure yourself against accidents and your bikes?
If you do, do you have recommended insurance company ?
Or don't bother at all?

[rkelsen]

Bikes are covered against theft by the house insurance, even if they're stolen while off site. Check you policy or call your insurer.

As for accidents, well, it's in a few parts: Your health insurance might cover sporting accidents, TAC will cover being hit by a car and Medicare should cover whatever's left.

What kind of insurance are you thinking about getting?

[cookiemonster]

Thanks rkelsen.
I'll double check my insurance policy for "sporting accidents".
How about accidental damage to third party?
eg. I accidentally hit and took off S-Class Merc side mirror?

[biker jk]

Personal accident, third party property and public liability insurance cover is provided by state cycling groups such as Bicycle NSW or Cycling Australia.

[queequeg]

I just changed my bicycle insurance yesterday. I had most of bikes on Home Contents, where they used to only covered for Theft/Damage while not being used, but changes in the last couple of years means they are covered worldwide, including for accidental damage, and if the bike is under $15,000 value it no longer needs to be listed separately on the policy.
It also covers usage while racing - awesome.

I cancelled my Velosure policy, as this was costing me $40 a month for one bike, and the Velosure policy depreciates the replacement value of the bike after 2 years (without reducing the premium I might add!). I have now moved that over to my Home & Contents where it is automatically covered with a new for old policy.

IN terms of "accidents", I have public liability insurance under numerous policies (Home & Contents and two CA Licences). I have private health insurance & medicare for personal injury, as well as Income Protection, TPD & Life Insurance as a final measure.

[rkelsen]

How about accidental damage to third party?
eg. I accidentally hit and took off S-Class Merc side mirror?

I've never bothered with 3rd party insurance, because it's hard to to that much damage with a bicycle. But I'm sure that if you wanted it, you could find it.

Tell the owner to get three quotes, pay for the cheapest one and try to be more careful.

[gr3i]

http://www.vinsurancegroup.com/pedalPow ... fCover.pdf

That's what you get if you were a member of Pedal Power ACT. Is that the sort of thing you're looking for? Almost all state /territory /national cycling groups have similar deals for their members (I mention Pedal Power as it's your local one if you live in Canberra)

[Namsen10]

Hello,
What is the best personal accident ?
Would you advice me to subscribe this one ? https://www.axa.com.sg/personal-accident