High Usage We also recognise that some riders only have one form of transport and use their bike everyday, which is fine with us. Unlike some other insurers, we're flexible and welcome High Usage riders. Flexible Excesses We allow you to reduce your standard excess, (to Nil if you choose) or you can increase your excess and receive a discounted premium. You determine the premium & excess that suits you. Your standard excess will range from $350.00 to $500.00 depending on the model of your bike. You can increase or decrease your excess in $50.00 steps to ensure you get the policy and price that suits you best. The premium decreases as the excess increases and vice versa. Emergency Accommodation Riding bikes often means riding long distances; this benefit provides extra assistance to pay for emergency travel & accommodation costs. You will receive up to $500.00 for emergency accommodation if you have an incident that leaves you stranded more than 100 kms from home. Traveling Expenses If your bike can't be ridden following an incident, we'll reimburse you up to $500.00 to return home. Being involved in an incident usually involves some cost to you. Costs incurred by you to get home will be reimbursed, thereby ensuring costs to you are minimised. Essential Temporary Repairs We will pay up to $500.00 for essential temporary repairs to allow your bike to be ridden after an incident. You are the person on the spot following an incident and we allow you to decide if some temporary repairs will get you on your way. If so, you are authorised to spend up to $500.00. Removal Costs If your bike is damaged we will pay reasonable costs to move it the nearest repairer or place of safety. You need to protect your bike after an incident and reasonable costs associated with removing it from the scene is covered by us. The is no maximum cost specified as reasonable cost may vary depending on the time and place of the incident. Re-delivery Costs If you live over 100kms from the place where we authorise your repairs, we will pay reasonable re-delivery costs to a limit of $500.00 Riding bikes often means riding long distances; if you have an incident a long way from home, we repair your bike and deliver it to you once the repairs are complete at no cost to you. There are additional benefits you may not be aware of; • Hire vehicle following a theft (up to 14 days or $1500) • Automatic trailer cover (up to $750) • Locks and Keys Cover ($1500) Increased value at no cost to you.