Whether you ride for leisure, fitness, or commuting, we understand how important your bike is. That’s why CHU offers flexible bicycle insurance as part of your contents cover, with the option to protect your bike beyond your home. From theft and damage to legal liability, we’re here to help you ride with confidence.
With CHU Contents Insurance, your bicycle is automatically covered while it’s at home. For extra peace of mind when you’re out and about, simply add Portable Contents cover to insure your bike against theft, damage, or loss anywhere in Australia.
You’ll also be covered for up to $30 million in legal liability if you're found responsible for injuring someone or damaging their property while riding.
Whether you’re a renter or a strata owner-occupier, CHU makes it easy to protect your bike, gear, and your peace of mind.
Learn more about insuring your bicycle with CHU Contents Insurance if you’re a renter, strata owner-occupier.
What’s included in the bike cover?
Your bicycle can be covered under CHU Contents Insurance policy. If you’d like protection for your bike while you're out and about, you can add the Portable Contents option to your contents cover for an additional premium. Read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the full details of the cover, including limits, exclusions and conditions.
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Included |
Not included |
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Need insurance for your bicycle? Contents insurance includes cover for things like: ● Theft ● Malicious damage to your bike ● Fire ● Third party legal liability up to $30 million ● Equipment and accessories for your bike. |
Contents insurance excludes cover for things like: ● Mopeds ● Petrol powered bicycles of any kind ● Electric bicycles which are required by law to be registered.
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Upgrade to include Accidental damage cover or protect your bicycle away from home with portable contents cover.
Bicycle Insurance FAQs
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Is my bicycle covered under CHU Contents Insurance?
Yes. Your bicycle is covered while it's at your insured home address under your standard CHU Contents Insurance policy.
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How can I get cover for my bike outside of the home?
To protect your bike while you're out and about, simply add the Portable Contents option to your policy for an additional premium.
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Is liability cover included if I cause an accident while riding my bike?
Yes. CHU Contents Insurance includes up to $30 million in legal liability cover if you’re found responsible for injuring someone or damaging their property.
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Are accessories and equipment covered too?
Yes. Equipment and accessories designed for use with your bicycle — such as helmets, locks, or lights — are included within your contents cover.
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Are electric bikes covered?
Electric bicycles up to 200 watts and Pedelec bicycles (electric type that you can also pedal) up to 250 watts are covered under CHU Contents Insurance as long as they are not required by law to be registered. E-bikes requiring registration are excluded.
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Are petrol-powered bikes or mopeds covered?
No. Mopeds and petrol-powered bicycles are excluded from CHU’s contents cover.
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Can I make a claim if my bike is stolen while locked outside?
Yes, if you have Portable Contents cover added to your policy, your bike is protected against theft even when away from home — provided you've taken reasonable precautions.
