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Worried about cycling injuries?
Protect yourself (and your wallet) with cycling accidental injury insurance.
About Cycling Insurance for accidental injuries
Imagine the convenience of turning short-term insurance on for race days, cycling events or holidays. You can go hard with the peace of mind that you’ve got cover for a range of accidental cycling injuries if something goes wrong.
- We approve most claims within one business day
- Covers accidents in a range of countries
- Instant cover, or schedule in advance
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Switzerland, Sweden, United Kingdom
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Pedal with confidence
Flip can give you extra peace of mind whether you want protection for yourself or your child.
While most sports are safe and exciting, cycling accidents can happen.
Don't let an unexpected injury ruin your day – make sure you're protected with Flip.
Why cycling insurance for accidental injuries is becoming more popular in Australia.
Aussies love to ride
Cycling is one of the most popular activities in Australia, with an estimated 3.7 million people going for a ride in 2020-21. It carries a high risk of injury and caused around 17,300 hospitalisations in 2020-21, more than any other activity.
Cycling injuries can be expensive
All those epic rides can lead to injuries that Medicare, private health insurance or travel insurance don’t necessarily cover in full. The financial pain can hurt more than the injury itself.
Cycling insurance eases the financial pain of accidental injuries
Cycling is great for your physical and mental health, and if you’re on a ride with Flip activated and get an injury that we cover, we give you a set cash payout for eligible claims, mostly within one business day.
Uncomplicated accidental cycling injury cover
Understanding what you’re covered for can be overwhelming, and sometimes you don’t realise until after something's gone wrong that you might have a lot of costs to pay. We've created injury cover for cycling accidents that's easy to understand, with no complicated add-ons or hidden catches.
Examples
These could apply to you or your child under Flip Active, or either of you under Flip Roaming.
 Covered | I was powering through a paceline, hit a pothole and knocked out a tooth which required an implant denture. |
 Not Covered | I indulged in a post-ride hotdog, got food poisoning and had to extend my trip. |
Covered | A tree branch ripped through my new bike shorts and I got a gash that needed stitches in the hospital emergency department. |
Not Covered | I left my pannier at a café, and when I got back it was gone. |
Covered | I tore a ligament while working as a cycling coach for which 2 physiotherapy sessions were required. |
Not Covered | I tore a ligament while working at a burger bar. |
Covered | I bought a Flip subscription, tore my ACL and then had surgery in the hospital. |
Not Covered | I tore my ACL, bought a Flip subscription and then had surgery. |
Full details of your insurance including definitions are found in the Product Disclosure Statement (PDS), Financial Service Guide (FSG) and Target Market Determination (TMD) docs.
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Popular activities that accidental injury insurance can be used for
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Choose how you Flip
We’ve provided the ultimately flexible insurance to suit your lifestyle.
Purchase cover for you/or your kids.
Under 18? Ask your parent/guardian to purchase your cover.
Under 18? Ask your parent/guardian to purchase your cover.
PREPAID | buy up front for a set period
Day cover
Buy as many days as you need for one off or occasional events
$7 a day
Week cover
For people looking for cover 4 days or more in a week
$25 a week
Subscription | for peace of mind that you’re always covered
Subscribe and save for peace of mind
Monthly and annual plans for people who are active throughout the year
$40 per month
Frequently Asked Questions
What is Flip’s on-demand accidental injury insurance?
It is a type of personal insurance that provides cover if you have an injury from an accident. Flip has a range of accidental injury insurance products that offer cash payouts for eligible accidental injuries that happen whilst you're covered. There are no waiting periods and no cancellation fees. You can use your cash however you like, whether it’s on medical costs that aren’t covered by your insurance, Ubers to your appointments, or getting a babysitter or food delivery while you’re out of action. Whatever works for you.
Can I get one-day insurance for accidental cycling injuries?
Yes. Flip starts at $7 a day, with week and monthly subscription options too!
Do you cover extreme cycling sports like ultra-distance and freeride?
Yes. When your insurance cover is active, you’re covered for almost any sport, hobby or activity (except motorcycling), even extreme sports. Check the PDS for more detail.
Who is Flip’s accidental cycling insurance for?
Flip currently welcomes people living in Australia between the ages of 5 and 64 to purchase our cover for cycling accidents in a range of countries. This includes international students, people on working holiday visas and people on temporary working visas. Unfortunately, you won’t be able to buy our current product if you or your child don't live in Australia or are temporarily in Australia as a tourist.
I turned my Flip insurance cover on after I injured myself cycling. Can I claim?
No. With Flip accidental injury insurance, you’re covered for a range of accidental sporting injuries that happen while your insurance is active. This means you’re not covered for anything that happens before your insurance starts or after it ends. To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.
Will you replace my bike if it’s damaged in a cycling accident?
Flip provides accidental injury insurance, so you get a cash payout depending on whether you have injuries of a specified severity. You can choose to spend your payout on anything you like, including bike repairs.
Do you cover professional cyclists?
Yes, we welcome weekend warriors and professionals alike when they want cycling injury insurance for accidents in general training, competitions or on event days.
If I buy a Flip product, am I (or my kids) only covered for injuries that happen at cycling events?
No, when your insurance is active, you’ve got cover for a range of common injuries that might happen in an accident, whether that be from running to catch a bus or jumping out of bed.
How much is cycling injury insurance?
Flip's cycle injury insurance starts from $7 a day, $25 a week, or $40 for a monthly subscription. If travelling overseas, cover starts from $80 a week. You can cancel at any time.
Can I get one-day insurance for accidental cycling injuries?
Yes, you can buy Flip Active or Flip Kids for a single day, week or as a monthly subscription to provide peace of mind for injuries while cycling in Australia and NZ. If you want protection in other covered countries, you can buy Flip Roaming by the week.
Is Flip’s cycling insurance a type of travel insurance?
No. Flip insurance covers you for accidental injuries in covered countries, but it is different to travel insurance because it pays you a set amount based on the injury you get. Some people use it in addition to travel insurance for extra protection, if they are doing something not covered by their travel insurance. Read our PDS to see if Flip is right for you.
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