Claims

Documentation

Excess

Personal Accident

Premium

Product Disclosure Statement

Public Liability

Security Conditions

Claims

Coverage

Excess

Personal Accident

Premium

Product Disclosure Statement

Public Liabilty

Security Conditions

Last updated: September 2020

Insurance, Simplified

Your guiding list to upcover policies and everything insurance. 

1. Claims

What happens if you need to make a claim? 

We understand that it can be very stressful if you need to make a claim. Our claims team is here to help you with any assistance you may need.

In the event of any accidental damage, theft, total loss, accidental death, permanent total disablement, personal legal liability, injury or event which may give rise to a claim under this policy, you must take the following steps:

  1. Notify us of the event as soon as reasonably possible. To make a claim, you can find our claims form here or call us on 1300 705 031.
  2. Take all reasonable measures to avert or minimise any loss or damage covered by the policy;
  3. Report the event or loss to the police if the event involves theft, attempted theft, malicious damage, or an accident involving others or injury;
  4. If possible, provide photographs of the accident/incident scene and of the bicycle at the scene including any observable damage;
  5. Cooperate fully with us in any investigation, negotiation, defence or settlement of any claim.  This may include attending court to give evidence;
  6. When your insured property is damaged, you must retain the damaged items for inspection by us or by an assessor appointed by us and you must never, without our prior written consent, dispose of any damaged property. In addition you can not authorise the repair or replacement of the property without our prior written consent;
  7. You must not admit liability to any loss, damage or injury, or settle or attempt to settle or defend any claim without our prior written consent;
  8. Send us any legal document or other communication you received about claim;
  9. When other parties may be liable to you for the loss or damage you must not agree to release those parties from any liability;
  10. You must comply with all policy terms and conditions at all times.

What is the claim amount?

means the total amount determined by us as payable to you for any claim.

2. Documentation

To facilitate the assessment of your claim, please provide us with the following, where applicable or requested by us:

  1. To make a claim, please find our claims form here or call us on 1300 705 031;
  2. Provide us with proof of ownership and value regarding any claimed loss or damage of your bicycle and/or accessory;
  3. Provide quotations for repair or replacement of your bicycle and/or accessory. We may also obtain 1 (one) quotation from a bicycle retailer or rental provider of our choosing. We will determine which bicycle retailer or rental provider or bicycle repairer is to repair the bicycle and or accessories. If we cash settle your claim, we will pay you the amount it would cost you to rectify the bicycle and/or accessories;
  4. provide us with proof, in the event of a theft or attempted theft of your bike, that you complied with the policy’s security conditions (see ‘Security Conditions’ below).
  5. copies of all correspondence exchanged with or received from any third party;
  6. for Personal Accident claims, obtain a written medical report or certificate from your treating doctor or specialist that clearly explains the medical condition or injury;
  7. pay your excess;
  8. tell us about any other insurance that may be relevant to your claim.

3. Excess

means the amount(s) stated in the policy schedule next to each section which we require you to pay towards any claim made under your policy.

Excess is the first amount payable by the insured for each occurrence. We will never be liable to indemnify the insured for the excess.

What is the excess period?

Excess period means the continuous period of time (as shown in the policy schedule) during which no benefit is payable. The excess period begins from the date of first medical treatment following injury or sickness by a registered doctor or specialist.

How does excess work?

In the event of a claim you must pay your excess before we pay your claim. The excess applicable to each section of the policy is stated on your policy schedule. In the event you do not pay your excess, we may deduct the applicable excess from the amount payable for your claim.

4. Personal Accident

cover for any injuries that might occur to you, including loss of income for up to one year. 

Scope of PA Cover

Cover under Personal Accident is limited to your delivery work and starts at the time you are logged in to the nominated platform and accept a delivery and ends 30 minutes after the nominated platform registers that delivery as being completed. Cover also includes travel to and from your home to perform your delivery work but only to the extent that the travel to and from your home must be on a direct route to and from your home. 

There is no cover provided at any time under Personal Accident, when you are performing delivery work as an employee.

What does the PA cover?

Under PA, the benefits included are:

  1. Weekly Injury Benefits
  2. Death and Capital Benefits
  3. Dental Benefits
  4. Broken Bones Benefits
  5. Rideshare Services
  6. Workplace Assault Benefits

For more information, please refer to our PDS and your policy schedule.

5. Premium

means the amount specified in the policy schedule which is payable by you for the insurance provided by us under this insurance, including any compulsory government charges (for example, stamp duty and GST) and Fire Services Levy (where applicable). 

What makes up your premium?

Your premium is determined by a number of factors and of course, the higher the risk is, the higher the premium. Your premium also includes amounts that we are required to pay, such as government charges, taxes or levies (e.g. stamp duty and GST) that apply to your policy. You will find these amounts on your certificate of insurance. 

What’s my premium?

You will be told the premium payable when you apply and are responsible for its payment. In calculating the premium we take into account a number of risk factors, including (without limitation): 

  • the sums insured provided under each section of your policy; 
  • your activities 
  • your age 
  • any previous claims you may have had for this type of policy 
  • your location 

6. Product Disclosure Statement (PDS)

Other similar words:  Policy Wording, Financial Services Guide (FSG)

is an important legal document that contains information about your cover. It explains our product, the fees charged and how our insurance partners will deal with complaints. 

What is the point of a PDS?

The core purpose of a PDS is for the issuer, Agile Underwriting Services, to disclose key information to help you make an informed decision about purchasing a financial product. 

When will I get a PDS?

You can find our PDS, alongside our Policy Wording, on our website and will also be available in the app when you buy insurance from us. We highly recommend going through the PDS and the Policy Wording in order to familiarise yourself with the terms and conditions of your policy. If that sounds too mundane, you can reach out to our team and we will gladly go over it with you.

7. Public Liability

Public liability covers your for

  1. injuries to others 
  2. Damage to their property resulting in your personal legal liability

Scope of PL Cover

Cover under Public Liability is limited to your delivery work and starts at the time you are logged in to the nominated platform and accept a delivery and ends 30 minutes after the nominated platform registers that delivery as being completed. Cover also includes travel to and from your home to perform your delivery work but only to the extent that the travel to and from your home must be on a direct route to and from your home. 

There is no cover provided at any time under Public Liability, when you are performing delivery work as an employee. 

How does PL cover work?

Subject to the terms, conditions and exclusions of your insurance, including the General Conditions of this PDS, and the scope of cover, we will indemnify the insured for all amounts which the insured becomes legally liability to pay as compensation: 

a)  arising out of injury or property damage happening during the period of insurance; and 

b)  as a result of an occurrence within the geographical limit of the policy in connection with delivery work performed by you.

What other benefits do I get?

1. Additional Payments
Subject to the terms and conditions of your policy, we will pay:

  1. The legal costs and expenses incurred by us, or the insured with our written consent, in the settlement or defence of any claim for compensation in respect of which the insured is entitled to indemnity under this policy.
  2. The expenses incurred by the insured for first aid to others at the time of injury caused by an occurrence(other than medical expenses prohibited by law).
  3. Compensation to the insured if, at our request, an insured attends court as a witness in connection with an occurrence in respect of which the insured is entitled to indemnity under this policy, at the following rates per day for each on which attendance is required:
              i) the insured – $200 per day.

The amount of such costs and expenses as described under 2. Additional Payments, 2 a), b) and c) are payable by us in addition to the sum insured specified in the policy schedule.

2. Representation at inquiry
Upon request from the insured, we will provide the insured with legal representation at any inquiry where the inquiry arises from an occurrence likely to give rise to a liability covered under 1. Cover of this policy. Our liability for 3. Representation at an inquiry will not exceed $50,000 in respect of any one claim or series of claims arising out of any one occurrence during the period of insurance and are in addition to the sum insured.

3. Claims preparation costs
In addition to the amount of cover provided by your policy, we will pay up to $5,000 in respect of each claim or series of claims arising out of any one occurrence for professional fees and such other expenses incurred by the insuredfor the preparation of a claim under your policy.
The amount of such costs and expenses as described under 4. Claims preparation costs are payable by us in addition to the sum insured.

8. Security Conditions

For Your Bike cover, you must ensure certain security conditions when your bicycle and or accessories are: 

  1. a)  unattended at home – they are securely locked or inside the home. This includes keeping the bicycle securely locked to an immovable object when kept in the garden. 
  2. b)  unattended on common property, away from home, or are otherwise left unattended (except when being transported or stored in a motor vehicle) – they are securely locked. 
  3. c)  being transported or stored in a motor vehicle – they are either: 
  4. i)  left in an enclosed motor vehicle which is locked and is not accessible by breaking any window or partition; or 
  5. ii)  securely locked to a permanent fixture within the motor vehicle (e.g. a door handle) using an approved lock. 

iii)  securely locked to a roof rack provided that the roof rack is securely locked to a permanent fixture of the motor vehicle (e.g. permanent roof bars). 

How can I show proof for the above listed security conditions?

Proof includes, but is not limited to, providing us with;

  • confirmation of the lock’s make and model, and/or
  • the lock’s key or the remains of the lock and/or
  • evidence of forcible entry