Motorcycle Insurance NSW
Compare 15+ motorcycle insurance NSW policies and get cover for damage, fire, theft, storms and more.

There are three levels of motorcycle insurance in NSW: comprehensive, third party, fire and theft, and third party property damage.
Our comparison table can help, but it can't show you prices. That's because quotes are personalised to where you live in NSW, the cover you choose and the type of bike you own. Compare features first then click through for a personalised quote.
Yes, Compulsory Third Party (CTP) insurance is mandatory and you must purchase a policy before your motorcycle can be registered in NSW. While CTP is included as part of your registration costs in most Australian states and territories, it must be purchased separately in NSW so it's vital you do this before hitting the open road.
Besides this, there are several other important reasons why you should purchase motorcycle insurance, including:
Before deciding on the right motorcycle insurance policy for you, make sure you closely consider your cover needs and budget. Once you know how much you want to insure your bike for and the risks you want to be protected against, you’ll be ready to start comparing policies.
However, it’s also worth pointing out that while Compulsory Third Party (CTP) insurance is included as part of your registration costs in most Australian states and territories, it must be purchased separately in NSW and the ACT. CTP insurance is mandatory and you must purchase a policy before your motorcycle can be registered in NSW.
In addition to CTP insurance, it’s also worth considering taking out motorcycle insurance that covers third-party damage liability and damage to your bike. There are three types of motorcycle liability and damage insurance available – we’ll take a closer look at what they cover in the next section.
There are three types of motorcycle insurance available in NSW: comprehensive insurance, third party fire and theft insurance, and third party property damage insurance. Check the table below for more details on what each of these policies does and doesn’t cover.
Feature | Comprehensive | Third party fire and theft | Third party property damage |
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Damage to other people’s property |
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Damage to your motorcycle when involved in a no-fault accident with an uninsured motorist |
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Damage to your motorcycle caused by fire and theft |
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Damage to your motorcycle caused by accident/collision |
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Damage to your motorcycle caused by vandalism, malicious acts, storm, hail, flood, earthquake |
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For a full rundown on the cover provided by each type of motorcycle insurance, read the PDS provided by your insurer.
There are several factors that affect the cost of motorcycle insurance in NSW, such as:
Motorcycle insurance in NSW attracts stamp duty at a rate of 5% of the insurance premium. While the insurer is usually liable to pay this duty, sometimes the additional cost will be passed on to you. If your motorcycle has been modified with non-manufacturer accessories and is no longer street-legal or roadworthy, you will not be able to purchase motorcycle insurance cover in NSW.
Finally, keep in mind that motorcycle insurance in NSW attracts stamp duty at a rate of 5% of the insurance premium. While the insurer is usually liable to pay this duty, sometimes the additional cost will be passed on to you.
ahm offers a decent level of coverage but might not suit drivers on a tighter budget.
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