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Cycling insurance for accidental injuries
Flip offers flexible, affordable personal injury cover for local rides, overseas trips, cycling events and organised groups.
Get fast cash payouts to help with recovery for eligible cycling injuries with cover for a day, a season or your whole club.
- Most claims approved within a few business days
- Covers accidents in a range of countries
- Group cover available for clubs, events and schools
- Single day to year round options available
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Do you need insurance as a cyclist?
There is no legal requirement to hold insurance as a cyclist in Australia, but cycling insurance is worth considering if you want some financial protection for accidental injuries while cycling.
Aussies love to ride.
Cycling is one of the most popular activities in Australia, with an estimated 2.1 million people aged 15 and over taking a ride in 2023-24. It carries a high risk of injury and caused 14,200 hospitalisations that year.
Cycling injuries can be expensive.
Medicare, private health and travel insurance can cover many health related costs, but you can still have unforeseen expenses as you recover. The financial pain can hurt more than the injury itself.
Cycling insurance eases the financial pain of injuries.
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 a few business days.
What is cycling insurance with Flip?
Flip’s cycling insurance is accidental injury cover. It pays you cash if you have an eligible injury from a cycling accident. It's not bike insurance (which covers damage or theft of your bike). It covers you.
For injuries within Australia and New Zealand, even with Medicare and private health insurance you can still be left with out of pocket uncovered health related costs. You’ll receive a Flip cash payout on approved claims for eligible accidental injuries. We’ll pay cash directly to you and you can use it however you want.
Choose from three types of cycling injury insurance for accidental injuries
The best cycling insurance for you depends on where and how often you ride. We can’t tell you what cover to buy, but here are some general guidelines to help you decide. Always read our PDS to see if Flip is right for you.
For local rides
Flip Active
for cycling in Australia and NZ
Get cover for cycling injuries from one day to a full year, depending on how often you ride.
With Flip, you only pay for cover when you feel at risk of injury, and you can mix and match different purchase options as your activity levels change.
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
Or cover for the season
90 day or 180 day cover for active people & seasonal sport
From $1 a day
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
or pay annually and save
$299 per year
For cycling overseas
Flip Roaming
for cycling trips overseas in covered destinations
You can buy Flip Roaming by the week or in 30-day blocks, and it reimburses you for medical expenses overseas and pays you cash for all eligible accidental injuries on your trip, not just when you're riding.
Flip Roaming gives you two layers of protection.
- Benefit A - Overseas Medical Cash - up to A$20,000
Get reimbursed for medical care while abroad and claim up to a total of A$20,000 in reimbursements. - Benefit B - Extra Recovery Cash - up to $50,000
We pay you an extra cash amount directly to your bank account on approved claims, to spend however you want.
For group rides
Flip Group Active
for cycling clubs, schools and events
You can choose per-event cover for one-day races, or year-long cover for club members riding all year.
Instead of individuals having to buy their own cover, you can bundle it as a value-add into memberships, event registrations or program fees.
Flip Insurance in action
Claudia
Cycling accident in Australia
Claudia was riding in a bunch when the pace picked up down a hill. Another rider clipped her wheel, and she went down hard, landing on her shoulder. Claudia saw a physiotherapist, had a scan and was diagnosed with a torn ligament.
She paid $7 for Flip Active for the day and got a $400 payout.
For illustration purposes only.
Partial tearing of a ligament, muscle or tendon
$400- TOTAL BENEFIT PAIDA$400
Jordan
Cycling accident in France
Jordan was descending a mountain pass in the French Alps when they hit a patch of gravel and crashed heavily, causing a serious fracture to their wrist. Jordan went to the local hospital for emergency treatment, before being referred to a specialist for follow-up.
Jordan paid €850 (~A$1,400) for emergency care in France.
They paid $80 for Flip Roaming for a week and got a $3,900 payout.
For illustration purposes only.
- Overseas Medical CashThe A$1,400 that Jordan paid in France was reimbursed.A$1,400
- Extra Recovery CashDisplaced fractures or open fractures.A$2,500
- TOTAL BENEFIT PAIDA$3,900
Testimonials
Hear from our cycling customers
Peter rides his bike to work in any weather and on busy city paths. He wanted cycling insurance that would offer financial support if he had an accidental injury on the road. He chose Flip Active's monthly subscription for everyday peace of mind.
"Having paid for the peace of mind that Flip gives me for my cycling, that cover also means that if I do engage in any other activities, I have cover for those as well for no additional cost, and I don't even need to think about it. I think it gave my partner a bit of peace of mind as well."
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Cam runs Brisbane Roubaix, one of Australia's biggest gravel cycling events. When searching for cycling event insurance, he wanted something transparent, modern and user-friendly.
"You feel an obligation to look after your riders and give them protection in case something happens. I’d say it’s a must-have. It’s just the right thing to do. If you want something that’s easy to set up, affordable, and gives you peace of mind that you’ve done the right thing by your riders, Flip Group Active fits the bill."
How to use cycling insurance
Here are some real-world examples of how Flip works for different cycling situations, from daily commutes to overseas adventures and club rides.
For local rides
Flip Active
For cycling overseas
Flip Roaming
For group rides
Flip Group Active
For local rides
Flip Active
If you hit a pothole on your morning commute, go over the handlebars and knock out a tooth, Flip Active pays you cash to help you recover. You can spend it however you like, including fixing your smile.
If you have a cycling accident while bike packing in the Outback with friends and your bike gets damaged, you’ll need bike insurance, not Flip Active.
Whether you’re just learning to ride, pushing extreme cycling limits or competing on the pro circuit, Flip Active covers (almost) any cycling activity in Australia and NZ.
For cycling overseas
Flip Roaming
If you're competing in an extreme endurance race in Canada and crash and fracture your wrist, Flip Roaming reimburses your medical costs (up to $20k) and pays Extra Recovery Cash.
If you get food poisoning from a roadside café in France and need to cancel your cycling tour, you'll need travel insurance, not Flip Roaming.
While travel insurance ends when you get home, we know your recovery doesn't. Flip Roaming pays Extra Recovery Cash to help cover costs and get you back on your bike.
For group rides
Flip Group Active
If a rider tears a ligament during your club's weekly social ride, they claim directly with us. Flip Group Active gives them a cash payout for eligible accidental injuries to help with their recovery.
If you're running a bike skills clinic and a participant arrives with a pre-existing injury from last week, they won't be able to claim for it under Flip Group Active.
With Flip Group Active, your participants claim directly through the app themselves. No paperwork for you to manage and no chasing up claims on their behalf.
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Ready to ride with Flip?
For local rides
Flip Active
For cycling in Australia and NZ
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For cycling overseas
Flip Roaming
For cycling trips overseas in covered countries
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For group rides
Flip Group Active
For cycling clubs, schools and events
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Frequently Asked Questions
What is cycling insurance?
Cycling insurance is a type of cover that protects cyclists from the financial impact of accidents and injuries. Depending on the policy, it can cover medical expenses, loss of income, dental treatment, physiotherapy sometimes gives a cash payout to cover.
Some cycling insurance policies are bundled into club memberships or race entries, and can be provided by sporting associations. Others are purchased individually as personal accident insurance or sports injury insurance. Traditional travel insurance may also include cycling, but sometimes excludes competitive or high-risk activities.
Flip offers on-demand accidental injury insurance for cyclists. It pays you a set cash payout, usually within a few business days, if you have an eligible injury while cycling. You decide when to activate cover (a single day, a week, a month, a season or a full year), and you spend the payout however you choose, like on transport, food deliveries, medical supplies or anything else you need. Unlike club or association schemes, Flip is flexible, instant and works for any type of cycling in Australia, New Zealand and in covered overseas desintations.
Who is Flip cycling insurance for?
Flip cycling insurance is for Australian residents aged 5-64. It’s not for tourists. It’s flexible enough for all kinds of cyclists and cycling scenarios, including:
- leisure riders and cycle commuters
- road racers and competitive cyclists
- road, gravel and adventure cyclists
- track and BMX riders and racers
- families with kids who cycle
- cyclists on local or overseas cycling holidays
- cycling coaches, trainers and instructors
- professional cyclists and elite athletes
- cycling clubs offering member cover
- cycling schools and kids' programs
- race and event organisers
- tour operators running guided cycling holidays.
Does Flip cover riding e-bikes and electric bikes?
Yes. Flip covers accidental injuries while you’re cycling regardless of what type of bike you're riding, as long as you’re riding legally.
Can I use Flip if I'm cycling for work?
No, Flip doesn't cover accidental injuries that happen while you're engaged in paid work or employment, including delivery riders, couriers and bike messengers. The exception is if your paid work is as a professional athlete, sports coach or sports referee, those roles are covered.
Do you cover professional cyclists?
Yes, we welcome weekend warriors and professionals alike when they want cycling injury insurance for general training, event days or competitions in Australia and New Zealand.
Does Flip cover kids who are cycling?
Yes, Flip covers people aged 5–64. Parents can buy Flip Active for their kids' cycling, or Flip Group Active can be used in cycling schools and youth programs.
Am I covered for injuries that happen while cycling?
For Flip Active and Flip Roaming, when your insurance is active, you’re covered for a range of eligible accidental injuries that might happen, whether that be from falling off your bike or falling out of bed.
For Flip Group Active, you are only covered for eligible accidental injuries that happen during your event.
Is my bike covered if it's damaged or stolen?
Technically, no. Flip gives you a set cash payout for accidental injuries, so cover is for you, not your bike. For bike damage or theft, you might want to look into bike insurance. However, you can choose to use Flip’s cash payout however you like, including on bike repairs.
Can I get one day cycling insurance to cover a race or ride?
Yes. You can buy Flip Active for a single day ($7). Activate it just before your ride or race or schedule up to one year in advance.
Can I use Flip for my cycling club or event?
Yes. Flip Group Active is designed for clubs, schools, coaches and event organisers. You can bundle cover into memberships, registrations or program fees so all participants are covered.
Do you cover extreme cycling like ultra-distance and freeride?
Yes. When your Flip cover is active, you’re covered for almost any sport, hobby or activity (except motorcycling). Even extreme sports. Check the PDS for more detail.
How much does cycling insurance cost?
Flip Active starts at $7 for a single day, $25 for a week, $40 monthly, $99 for a 90-day pass, $180 for a 180-day pass or $299 annually in Australia. Flip Roaming is $80 per week or $190 for 30 days in covered overseas countries. Group Active pricing is custom based on participant numbers and cover length.
Do I need cycling insurance if I already have private health insurance or travel insurance?
Private health insurance and Medicare can cover a lot of medical costs, but injuries often come with unforeseen expenses. Flip can complement your private health insurance and travel insurance and help bridge the gaps with fast, flexible cash payouts for eligible accidental injuries, which you can use however you need.
Please also remember to check your travel insurance policy details carefully to see exactly what it covers, and read our PDS to determine whether Flip product is right for you.
Is Flip cycling insurance the same as travel insurance?
No. Travel insurance covers trip cancellations, lost luggage and other travel-related issues. Flip covers accidental injuries. Learn more about How Flip Roaming can complement your travel insurance.
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Drop us your email to access offers, learn more about Flip and see how we’re helping people do more of what they love.
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