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Protect yourself with motorcycle insurance in Australia when you're riding on the open road and heading out into the sunset.
Our guide includes what the best motorcycle insurance policy should cover and how to choose one that can save you money.
You can also compare policies offered by different insurance providers and get quotes below.
There’s no single motorcycle insurance that’s best for everyone as all our needs are different - and what’s best for you might not be best for someone else. Keep in mind that we don’t compare every product in the market, but we hope that our tools and information will allow you to compare your options and find the best motorcycle insurance for you.
The right insurance for you depends on how much you can afford and the value of your motorcycle. There are three options:
If you’ve recently obtained your licence and you’re getting around on a low-powered postie bike, then Third Party Liability insurance is probably the best option for you. However, if you’re zipping around on a high-powered machine, you may need more comprehensive cover.
Your motorcycle insurance policy should cover you for fire, theft and legal liability at the bare minimum. These three protect your bike from damage and insure you against damage caused to a third party.
Understanding a product disclosure statement (PDS) can be difficult at times. Look for the following features when considering if a policy is right for you:
Feature | What does this mean? |
---|---|
Liability for other people’s property | You’re covered if you damage someone else’s vehicle or infrastructure. |
Accidental loss or damage | Protection if your motorcycle is damaged or written off due to an accident. |
Damage by uninsured drivers | You’re still covered even if the person at fault isn’t. |
Emergency travel accommodation and repairs | If you have an accident a long way from home, you can get a hotel room and assistance getting home. |
Hire car | Cover for a temporary hire car while your motorcycle is off the road. |
Replacement for new motorcycles up to two years old | You can have your newer bike replaced. |
Personal property | Cover for gear you’re carrying when you crash. |
Riding apparel | Your leathers and helmet will be replaced if they’re damaged in an accident. |
Storm, hail, flood and fire | Any of these acts of nature can be covered. Be aware of exclusions particularly when it comes to flooding. |
Third party property and damage | Covers any damage you cause to others. |
Different licence types mean there are restrictions on the engine capacity you’re allowed to ride.
The type of bike will affect what insurance you get. A fully licensed bike is worth more than a learner’s, so the kind of insurance you choose should reflect this.
The best insurance should cover damage to your ride and any damage you may cause to other vehicles or people. As well as this, extras insurance can cover you for additional things that you may need:
The extras you add to your comprehensive cover is again dependant on how you use your bike. Cover for a replacement helmet is important for everyone, but if you don’t carry your gear with you on your bike, then you won’t need cover for it.
Here are four ways that you can save money and get the right policy for your needs:
Comprehensive insurance covers most of the things that could go wrong with your motorcycle, but sometimes it isn’t the best value for money.
Think about what you own and how you use it:
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