Our agreement with you (otherwise known as ‘the legal bit’…)
InsureMyRide ABN 75 121 676 293, on behalf of Australian Alliance Insurance Company Limited ABN 11 006 471 709, agrees to insure you in return for your premium, subject to the terms, conditions and amounts set out in this policy.
Definitions of your Policy
What IS covered
What’s NOT covered
1. “you”, “your” means the people named as insured on your policy;
2. “we”, “our”, “us” means InsureMyRide Pty Ltd, on behalf of Australian Alliance Insurance Company Limited.
3. “policy” means your contract of insurance with us and includes the policy wording, your insurance certificate and any recorded changes to your policy.
4. “your insurance certificate” means any certificate showing details of your policy.
5. “your bike” means the bike described on your insurance certificate.
6. “permitted use” means private use including travel to and from work.
6. The use of your bike for your occupation or business, or for making money.
7. “period of insurance” means the time period stated on your insurance certificate.
8. “market value” means the sum insured value shown on your current insurance certificate.
9. “modification” is a legal alteration to your bike’s standard bodywork, frame, engine, suspension, wheels or paintwork, which may change its value, safety or performance.
9. No modification is covered under this policy for any amount greater than that shown on your insurance certificate.
10. “accessories” means optional extras which are added to the bike but aren’t a modification, as set out above.
11. “excess” means the amount you’re required to contribute to each claim as shown on your insurance certificate.
12. "excess free claim” means that if we agree an incident is not your fault and you can give us the name and address of who was at fault, and their vehicle registration number, you won’t have to pay an excess.
13. “personal valuables” means belongings normally worn or carried by you, eg. cameras, sunglasses, MP3 players, laptops, mobile phones or sports equipment.
13. Excluding jewellery and cash.
14. “riding gear” means any items of clothing worn specifically for bike riding. Including helmets, gloves, riding jackets, pants and boots, and any other bikespecific gear, such as body armour and kneeguards.
15. “total loss” means your bike is stolen and not recovered or is so badly damaged that we determine it is uneconomical to repair.
