Life & Income Protection for Riders on Road, Track and Off-Road

Regardless if you are a Track addict, a daily Commuter enjoying the benefits of filtering through traffic, a weekend twisty warrior or a trial Off-Road rider, we all have one thing in common, we all love getting out there and experiencing freedom even though we all know every time we leave the door the experience of freedom comes at a price. Some may even think we are crazy getting on two wheels with 20 litters of petrol between our legs but we still take the risk and we all know with any risk there may come consequences.

We all know or have heard of a rider that has come off. Some are minor incidents and others fatal. This was Craig's incident a fellow rider. Check out his incident and experience.

Quick Stats
  • In 2016 there were 248 motorcyclist fatalities (240 riders and 8 pillion passengers), up 22.2 per cent on 2015. This was almost one in five road deaths.*

  • Most motorcyclist deaths (93 per cent) are male.*

  • In terms of hospitalised injury, motorcyclists accounted for just under 1 in 4 and passenger car vehicle occupants just under 1 in 2 cases of traffic hospitalised injury in 2013.*

  • For every motorcyclist killed, 35 more are hospitalised due to traffic related crashes. This ratio is far higher than that for pedestrians (1:16), or for vehicle occupants (1:18)*

  • Crashes involving a motorcycle fatality peak in the day (9am to 3pm) and evening (3pm to 9pm). One third of fatal motorcycle crashes occur on a weekend between 9am Saturday and 9pm Sunday.*

  • Deaths under 40 are skewed towards urban areas while deaths for over 40s are skewed towards non-urban locations. Non-urban fatal crashes are particularly skewed towards the weekend.*

What can be done or Cover for Riders by Riders. 

Looking at Craig's story and the stats above will not stop you from riding but it makes us think about what can happen and what we can do about it. 

Income Protection

Your income is your blood supply of paying for bill, mortgage and general expenses. Imagine if your income stops today, how would that impact you and your family?

 

Income Protection is a cover designed to protect your income in a event of a accident or sickness that stops you from producing an income and the good news is all premiums paid are 100% tax deductible. There is even the option to have it paid by your superannuation. 

But are all Income Protection covers the same? No, all covers have limitations and exclusions, depending on the type of riding you do you may not be covered.

As riders our self's and with our claim experiences we have looked into all the fine prints to find you a insurer that will cover you for the type of riding you do. It is not only important to talk to an expert but also someone that understands what a rider should be covered for.

Life Insurance

You work hard to keep your family happy, healthy and secure. But what would happen to them if you were to unexpectedly die or become terminally ill?

Without the income you provide, your family could struggle to pay day-to-day living expenses such as rent or mortgage payments, school fees, utility bills, and even the basics like food and clothing. They might even be forced to sell the car or family home just to get by.

 

A Life Insurance cover will protect your loved ones from financial hardship and keep the roof over their heads when you are no longer around. Having Life Insurance will not stop the uncertainties but it will give you peace of mind. If affordability is an issue, you can utilise your superannuation to fund the premiums. 

Are all Life Insurance covers the same? the answer again is No, all covers have limitations and exclusions and depending on the type of riding you do and you may not be covered.

As riders our self's and with our claim experiences we have looked into all the fine prints to find you a insurer that will cover you for the type of riding you do. It is not only important to talk to an expert but also someone that understands what a rider should be covered for.

Take Action
Speak to Ash on
1300 791 413
or
0410 170 070

Parramatta CBD

Level 1, Veritos Building,

27 Hunter Street
Parramatta, NSW 2150

info@lifeplusinsurance.com.au

Sydney CBD

Level 33, Australia Square, 264 George Street
Sydney, NSW 2000

info@lifeplusinsurance.com.au

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LIFEPLUS INSURANCE

Sydney CBD

Level 33, Australia Square,

264 George Street
Sydney, NSW 2000

Parramatta CBD

Level 1, Veritos Building,

27 Hunter Street
Parramatta, NSW 2150

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