Are you insured when carrying bikes on cars?

Like most Kiwis, we think insurance can be a really tricky when you have to make a claim.  That is especially true if you were carrying bikes.  Here's a few things you need to know:

  • Normally if you're hit from behind, it's the other driver's fault. However, if your break lights, indicators or number plate are obscured by carrying bikes, your insurance could decide that you're also at fault.
  • You may also be breaking the law by using a bike rack which has no bike rack lights. This may invalidate your insurance cover and you'd have to pay.
  • Good bikes aren’t cheap. If you’re involved in an accident when carrying bikes and not have bike rack lights, you are breaking the law. This could affect your insurance payout!
Our advice:

Don’t risk it! Talk to your insurance company and check if you’re covered when carrying bikes.  Also, what would happen if you don't have a supplementary plate and bike rack lights on your bike carrier.

Better still! Keep you and family safe, and get a Safelite.


Be seen, be safe and be legal when carrying bikes

Made in New Zealand to keep New Zealanders safe