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Personal Accident Insurance

RideSafe Plus

$99

Per Year
  • Up to $1,000 Weekly Benefits
  • $100,000 Capital Benefits
  • Any Non Income Earning Horse Rider
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RideSafe Gold

$134

Per Year
  • Up to $1,250 Weekly Benefits
  • $125,000 Capital Benefits
  • Any Non Income Earning Horse Rider
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Horse riders face many risks on a daily basis which could result in an injury. Affinity RideSafe Insurance has a specialised Personal Accident Policy available which covers you as a horse rider for income lost as the result of the inability work due to an injury.

Affinity RideSafe Insurance can cover you for lost wages, a lump sum payment in the event of permanent disability, non medicare medical expenses and broken bones benefits. There are is also an Injury Assistance benefit for non income earners which includes home help and child minding.

Cover can be taken out in under 5 minutes by completing a quick and easy online application form, by choosing your option below.

Policy Summary

Summary of Benefits
Capital Benefits: $50,000
Weekly Accident Benefit (income earners): 85% of Earnings to a maximum of $500 per week
Injury Assistance Benefit (non income earners: 85% of the actual cost up to a maximum of $150 per week. This includes Domestic Home Help and Child Minding
Parental Allowance: $50 per day to a maximum of $500 in total
Broken bones up to $1,500
Funeral Expenses: $5,000
Non Medicare Medical Benefit: $2,500
Deferral Period: 14 Days
Benefit Period:52 weeks

Conditions
The Benefits provided in this Policy shall be restricted as follows and will only be payable when:
a)      The requirements of the Policy are satisfied for a payment to be made to an insured person; and
b)      That Insured person participating in a non-income earning equine related activity
c)       If the insured person has an alternative personal accident coverage in place they have made claim on the other coverage first

No Benefits shall be payable under this section of the Policy where:
a)      A person is engaged in non-equine related activities
b)      Income earning activities or activities where remuneration is directly involved

Exclusions: Saddle Bronc Riding, Bareback Bronc Riding, Thoroughbred Jockeys

Summary of Benefits
Capital Benefits: $100,000
Weekly Accident Benefit (income earners): 85% of Earnings to a maximum of $1,000 per week
Injury Assistance Benefit (non income earners: 85% of the actual cost up to a maximum of $150 per week. This includes Domestic Home Help and Child Minding
Parental Allowance: $50 per day to a maximum of $500 in total
Broken bones up to $3,000
Funeral Expenses: $7,500
Non Medicare Medical Benefit: $5,000
Deferral Period: 14 Days
Benefit Period:52 weeks

Conditions
The Benefits provided in this Policy shall be restricted as follows and will only be payable when:
a)      The requirements of the Policy are satisfied for a payment to be made to an insured person; and
b)      That Insured person participating in a non-income earning equine related activity
c)       If the insured person has an alternative personal accident coverage in place they have made claim on the other coverage first

No Benefits shall be payable under this section of the Policy where:
a)      A person is engaged in non-equine related activities
b)      Income earning activities or activities where remuneration is directly involved

Exclusions: Saddle Bronc Riding, Bareback Bronc Riding, Thoroughbred Jockeys

Summary of Benefits
Capital Benefits: $125,000
Weekly Accident Benefit (income earners): 85% of Earnings to a maximum of $1,250 per week
Injury Assistance Benefit (non income earners: 85% of the actual cost up to a maximum of $150 per week. This includes Domestic Home Help and Child Minding
Parental Allowance: $50 per day to a maximum of $500 in total
Broken bones up to $5,000
Funeral Expenses: $10,000
Non Medicare Medical Benefit: $7,500
Deferral Period: 14 Days
Benefit Period:104 weeks

Conditions
The Benefits provided in this Policy shall be restricted as follows and will only be payable when:
a)      The requirements of the Policy are satisfied for a payment to be made to an insured person; and
b)      That Insured person participating in a non-income earning equine related activity
c)       If the insured person has an alternative personal accident coverage in place they have made claim on the other coverage first

No Benefits shall be payable under this section of the Policy where:
a)      A person is engaged in non-equine related activities
b)      Income earning activities or activities where remuneration is directly involved

Exclusions: Saddle Bronc Riding, Bareback Bronc Riding, Thoroughbred Jockeys

Summary of Benefits
Capital Benefits: $100,000
Weekly Accident Benefit (income earners): 85% of Earnings to a maximum of $1,000 per week
Injury Assistance Benefit (non income earners: 85% of the actual cost up to a maximum of $150 per week. This includes Domestic Home Help and Child Minding
Parental Allowance: $50 per day to a maximum of $500 in total
Broken bones up to $5,000
Funeral Expenses: $10,000
Non Medicare Medical Benefit: $7,500
Deferral Period: 14 Days
Benefit Period:104 weeks

Conditions
The Benefits provided in this Policy shall be restricted as follows and will only be payable when:
a)      The requirements of the Policy are satisfied for a payment to be made to an insured person; and
b)       If the insured person has an alternative personal accident coverage in place they have made claim on the other coverage first

No Benefits shall be payable under this section of the Policy where:
a)      A person is engaged in non-equine related activities

Exclusions: Saddle Bronc Riding, Bareback Bronc Riding, Thoroughbred Jockeys

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