Q. Does this insurance cover me while riding a tandem, recumbent, electric, or cargo bike?
A. Our bicycle insurance does not cover electric or motorized bicycles. We do cover tandems, recumbents, and cargo bikes. Both riders on a tandem must be listed on the insurance policy to be eligible for coverage.
Q: Does this insurance cover me if I ride a bike at work?
A: No. Riders of messenger bikes, commercial cargo bikes, and other bikes used for commercial purposes are excluded from coverage.
Q. Does this insurance cover me while riding a BMX, tall bike, freak bike, brakeless fixed-gear, or unicycle?
A. In most areas, a street-legal bicycle must have brakes, and must allow the rider to place at least one foot on the ground while seated. Riders of non-legal bicycles are not covered by this insurance, nor are those who ride BMX bikes. Consult your local bicycle laws for more information.
Q. If I am transporting a child, pet, or other non-member as a passenger on my bicycle or in a bicycle trailer, are they covered?
A. No. Better World Club's cyclist insurance only extends to covered (human) members.
Q. Is there an age limit for covered members?
A. Yes. Better World Club members must be 16 or older.
Q. Does Better World Club's accident and liability insurance cover me outside the United States?
A. No. Coverage is available nationwide, but does not extend beyond the US.
Q. Will the insurance cover my legal fees if I am taken to court for a cycling-related event?
A. Yes. Liability coverage includes legal defense if you are accused of negligence while cycling.
Q. Are there any cycling activities (such as stunts or jumps) that would invalidate my coverage?
A. Yes. Stunts and jumps are prohibited by law in most areas. Injuries and damages caused or sustained while engaged in an illegal activity are not covered. The coverage is also not intended for off-trail mountain biking.
Q. Am I required to wear a helmet and obey traffic laws in order to qualify for coverage?
A. You must follow all relevant rules of the road as well as laws governing bike safety in your state. Consult your local bicycle laws for more information.
Q. How does the accident insurance interact with my health insurance? What if I don't have health insurance?
A. Reimbursement is provided after the $250 deductible and after any payments from your health insurance. The accident policy is in excess of any health insurance you have. It pays after your health insurance has paid. For example, it will pay your co-pays and deductibles - up to $100,000. If you do not have health insurance, then after the $250 deductible it will pay all covered medical bills up to $100,000.
Q. Am I covered during races?
A. No. Timed events, races, and obstacle courses are excluded from coverage.
Q. Am I covered during non-competitive bike events?
A. Yes. Events such as fundraiser rides and tours are included in coverage.
Q. Why should I have bicycle insurance if I already have auto, health, and/or homeowner's insurance?
A. There are several reasons. If your health insurance has a high deductible; if your auto insurance does not cover you while cycling; or if you value having the country's only nationwide bicycle roadside assistance, then our insurance may be for you.
Q. Who should I contact if I have questions?
A. You can contact Better World Club's customer service. Our insurance partners at Gales Creek will also answer your questions about coverage. You can contact Kim Hutchinson at 503-977-5650 or 1-800-755-1575.
For information on our Club, check our General Club FAQ