Cycling in Sydney Australia
Tried writing to firstname.lastname@example.org but didn't get a reply, I was hoping someone here would either know the answer of put me in touch with someone who does:
I am not a lawyer, but as I read and understand it...
- you are covered 24x7 when doing your own riding (e.g. training rides, commuting, riding to the milk bar etc the same sort of thing BNSW insurance covers)
- you are not covered for events run outside of the auspices of Cycling Australia/BMX Australia/Mountain Bike Australia/Pedal Power ACT. I do wonder if this includes The Gong Ride.
- you are not covered for racing (need a gold licence for that, or a day license).
The key word is "event". Does the Newcastle Overnight ride count as an event? You would have to ask the insurer:
can't help, but now I am also confused about that clause.
An insurance company would definitely argue that the Newcastle Overnight is an event - it is in their interests to do so if it minimises their exposure to costs. When I broke my shoulder on an audax ride I made the mistake of saying I was on an organised ride when I had to make a claim against my travel insurance (I had an international flight booked for the day after the accident) - one of the exclusions on that particular policy was that injuries which occured as a result of "racing" of any sort would not be covered and they made the claim that since there was a time limit on compelting the ride it was the equivalent to competing in a race.
I argued against it and did manage to get them to grudgingly pay out, but I think it is safe to assume that if there is any possibility that the company can define a situation to their advantage that will look to do so. If you can see the potential for an event to be defined as such, the insurance company certainly will too.
I've been told by someone in the industry that when dealing with insurance companies, don't argue with the first person who rejects your claim. Just ask them what their disputes procedure is and take it from there. In most cases they'll back down because the first rejection is an attempt to intimidate you so that you'll accept their ruling. It's worked for me.
if I have to get to work by a required time am I racing?
My understanding (and happy to be proven wrong) is that Audax / CA insurance Personal Injury covers you only in Sanctioned rides by Audax/CA.
Which is why clubs will tell you 'this is a sanctioned ride' or 'this is not a sanctioned ride - ride at your own risk'
That why when riding on a velodrome there also needs to be 'someone' sanctioning say a qualified coach.
Happy to be proven wrong.
Formally was the case but changed from last year or two and this is way the wording now says
"..Individual members are covered for any cycling activities 24 hours a day, 7 days a week..." (for Public Liability)
"..benefits are applicable to Injury occurring during any and all bike riding activities 24 hrs a day, unless an Insured Person(s) is competing in an event/race that is not conducted under endorsed protocols of an ‘affiliated entity.." (for Personal Injury)
Great stuff both
Thanks all for the replies. Never got a response from membership, but I signed up anyway. Being covered on the commute (easily the most risky riding I do) is worth it alone, but I look forward to having a go at an Audax ride.