Travel Insurance Saver
Single Trip Annual Multi Trip
    28
    October
    2021
    29
    October
    2021
    Traveller 1
    Traveller 2
    Dependant 1
    +Dependant

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be covered.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country.

    If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. Click here to find out more

    Altitude Limits

    There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. 

    Travel Insurance while Mountain Biking

    Holidaying is a time for adventure and fun. It’s important that you get the most out of your holiday, should you decide to get on a mountain bike and do some exploring, cover is provided as long as you aren’t taking part in a professional competition. 
    Mountain Bike Travel Insurance
    If you are going to be riding a mountain bike on your holiday, you should consider purchasing travel insurance. All Travel Insurance Saver travel insurance policies provide cover for those who are planning on riding a mountain bike on their trip and some of our selected policies even allow for an increase to a specified item limit, if you're looking to cover your mountain bike as a personal luggage item. This essentially means that you can insure your mountain bike, take it on holiday, and be provided with covered for its loss, theft or accidental damage while on your trip. Mountain bike will not be covered while in use. 

    Extras

    Taking extra precautions when it comes to participating in sporting activities which pose a risk is a must, not only to ease the process of claiming in the event of unforeseeable circumstances but also when it comes to personal safety! Travel Insurance Saver recommends wearing protective gear such as a bike helmet when going mountain biking on your holiday. If you fail to wear headgear while mountain biking and sustain an injury, you may not be covered. Always wear protective headgear while mountain biking.

    Here is just some of the coverage offered which may apply to you if you go mountain biking while on your holiday: 
    Travel insurance plans can offer cover^ for:  
    • Hiring or riding your own bike
    • Overseas medical cover
    • Up to an unlimited amount of medical evacuation and repatriation
    • Personal liability
    ^This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions as set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy
    Mountain Bike Travel Insurance
     
    Mountain biking has some obvious health risks, particularly for young children, the elderly and anyone who suffers from a previous or current physical injury. 
      
    If a scenario involving mountain biking aggravates an injury or existing medical conditions, you may be excluded from receiving full coverage unless you have applied beforehand for coverage for specified medical conditions. 
      
    Drinking alcohol or taking illicit substances while mountain biking is obviously very dangerous. If you sustain an injury while intoxicated your travel insurance claim may be declined, the same goes for failing to wear protective gear such as a helmet. 
     

    Specified Item Limit 

    If you want more coverage than the individual item limit, you can apply for more cover for your bike. To apply a specified item limit, you will need to include the bike details when checking out. An additional fee based on the total value of your bike will be applied to your total premium. Specified Item Limit increase is not available on all travel plans. 
     

     
     

    Mountain Bike Travel Insurance

    Here are the items that you can include a specified item limit

    Sporting equipment while in use is excluded on all travel insurance policies
     

    Tips for mountain biking

    Though your insurance won’t be affected by your technique, we’ve gone ahead and listed some biking tips for you. If you’re new to mountain biking there are a few handy ways you can help minimize how much you feel the bumps in the road, and how to minimize injury if you fall. 

    Your position

    When you are mountain biking, the position you hold on to the bike is very important. When you’re riding along level, non-technical parts of a trail, you’ll want to keep a neutral position. This position means keeping the pedals level with each other and your knees slightly bent so your bottom is off the seat, and your back should be quite straight though not totally vertical.
    When your trail gets more mountainous, rockier or steeper, you’ll want to adjust your position to accommodate for the change. You should bend your knees further and your back should be parallel with the ground, almost leaning over the handlebars. This means you are in the ready position; you are ‘ready’ for the trail ahead.
     

    Let the trail do the riding

    When you ride a mountain bike, the idea is that you should let the bike do most of the work for you, letting yourself glide down-hill and rolling over as much terrain as possible. You should really just be peddling uphill. Also, don’t focus too much on the obstacles in the trail, the rocks, roots and tree branches, though you need to know they’re there, you should really be focussing on the trial ahead. If you focus on your obstacles, you are more likely to hit them, just stay aware, look ahead and ride fluidly.
     

    Take it easy

    The most important thing to do while riding is to relax. If you are stiff or nervous you are more likely to make mistakes on the trail, just go slow. You are not racing; the idea is to enjoy the ride and take in the scenes around you. Unless you are an experienced rider you should never ride too fast. Keep a relaxed grip on the handles and make sure you stretch out before your ride, the more limber you are on the bike the less you are to feel the trail, and the more comfortable your ride will be.
    To ensure that you don't void your travel insurance coverage, please abstain from being intoxicated while mountain bike riding, and also ensure you wear protective gear such as a helmet. 

    Before deciding to purchase this product, please read the Product Disclosure Statement available from us. 

    Contact Travel Insurance Saver

    Coronavirus - Please visit our Travel Alert page for more information on Coronavirus. If you have any question's please fill in the form below and one of our friendly team members will get in touch soon.

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    Single Trip Annual Multi Trip
      28
      October
      2021
      29
      October
      2021
      Traveller 1
      Traveller 2
      Dependant 1
      +Dependant

      Medical Condition

      An existing medical condition is any medical condition which:

      At the time you buy your policy is:
      • chronic; or, 
      • displaying symptoms; or, 
      • under investigation; or, 
      • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
      • or metastatic; 
      • or terminal; or
      in the six months prior to the time you buy your policy there has been:
      • treatment by a medical practitioner; or 
      • medication prescribed; or 
      • surgery.

      Please refer to existing medical conditions that meet the criteria for automatic cover

      Snow Sports

      If you are participating in Snow sports on your trip you need to add this option to be covered.

      By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

      Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

      $0 Excess

      By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

      Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0.

      Cruise

      Cruising is covered as standard. If the cruise only stops in one country, just select that country.

      If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia.

      If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

      Already Overseas

      If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. Click here to find out more

      Altitude Limits

      There are no altitude limits associated to cover when hiking. Please refer to the Product Disclosure Statement for full terms, limitations, conditions, and exclusions. Click here to find out more

      One Way

      Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.