Finder makes money from featured partners, but editorial opinions are our own.

Motorcycle Insurance South Australia

Living in South Australia and need motorcycle insurance? Find cover here.

Whether it's your first policy or you're looking to switch, there are plenty of motorcycle insurance options out there if you live in South Australia.

You can choose from three cover options - comprehensive motorcycle insurance, third party fire & theft motorcycle insurance or third party property only motorcycle insurance - with a range of insurers. Find out below who you can get cover with and what option is best for you.

Compare motorcycle insurance policies in South Australia

1 - 5 of 14
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
QBE Comprehensive Motorcycle Insurance
Agreed or Market
Finder's summary: QBE won our Green Insurer of the Year Award, and offers a great price-beat guarantee. Budget friendly and environmentally friendly.

⭐ Current offer: QBE guarantees to beat any price offered by their competitors for comprehensive motorcycle insurance for new customers. T&Cs apply.

Who it might be good for: Anyone on a budget who still wants good-quality cover.
Youi Comprehensive Motorcycle Insurance
Agreed or Market
Finder's summary: Youi has earned a reputation for great customer service and offers 24/7 roadside assistance as standard. This is typically an optional extra.

Who it might be good for: People who value a good customer experience and want the ability to customise their policy.
Budget Direct Comprehensive Motorcycle Insurance
Optional
Agreed or Market
⭐ Current offer: Get a quote now for your chance to win 1 of 2 Triumph Motorcycles. T&Cs apply.
AAMI Comprehensive Motorcycle Insurance
Agreed
Finder's summary: AAMI’s comprehensive motorcycle insurance policy covers more than some of its competitors with the inclusion of riding apparel as standard. For further coverage, more options to customise cover are available.

⭐ Current offer: $25 off when you buy online.

Who it might be good for: With a paperless claims process, AAMI could be good if you’re keen to manage everything online.
CUA Comprehensive Motorcycle Insurance
CUA Comprehensive Motorcycle Insurance
Agreed or Market
loading
1 - 5 of 12
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
QBE Third Party, Fire & theft Motorcycle Insurance
Market
Buy a QBE motorcycle policy and get price beat promise for similar policies. Valid for 12 months. T&Cs apply.
Youi Third Party Fire & Theft Motorcycle Insurance
Agreed or Market
Protection against damage to others caused by your motorcycle with additional cover.
Budget Direct Third Party, Fire and Theft Motorcycle Insurance
Market
⭐ Current offer: Get a quote now for your chance to win 1 of 2 Triumph Motorcycles. T&Cs apply.
AAMI Fire, Theft & Third Party Property Damage Motorcycle Insurance
Market
GIO Fire, Theft and Third Party Property Damage Motorcycle Insurance
Market
loading
1 - 5 of 14
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
QBE Third Party Only Motorcycle Insurance
Buy a QBE motorcycle policy and get price beat promise for similar policies. Valid for 12 months. T&Cs apply.
Youi Third Party Property Only Motorcycle Insurance
Agreed or Market
Protection against the cost of damage your motorcycle causes to third party property.
Budget Direct Third Party Property Only Motorcycle Insurance
Agreed
⭐ Current offer: Get a quote now for your chance to win 1 of 2 Triumph Motorcycles. T&Cs apply.
AAMI Third Party Property Damage Motorcycle Insurance
CUA Third Party Property Damage Motorcycle Insurance
CUA Third Party Property Damage Motorcycle Insurance
loading

Motorcycle in the forest

What motorcycle insurance options are available in South Australia?

There are three types of motorcycle insurance available in SA: comprehensive insurance, third party fire and theft, and third party property damage. Here you can find the three main motorcycle insurance cover options by Youi, an overview of what each policy covers and a helpful breakdown of their main features.

FeatureComprehensiveThird party fire and theftThird party property damage
Damage to other people's property
  • Yes
  • Yes
  • Yes
Damage to your own motorcycle when involved in a no-fault accident with uninsured motorist
  • Yes
  • Yes
  • Yes
Damage to your motorcycle by fire and theft
  • Yes
  • Yes
  • No
Damage to your motorcycle in an accident/collision
  • Yes
  • No
  • No
Damage to your motorcycle by vandalism, storm, hail, flood, earthquake
  • Yes
  • No
  • No

Best motorcycle insurance for South Australians

Motorcycle insurance is mandatory in South Australia. However, you only need to have the most basic policy - Compulsory Third Party (CTP) insurance. This is to cover you for medical costs and compensation if you get in an accident and injure someone else.

While this may be fine for some - for instance, if you are barely out on the road - motorcycling is more dangerous than driving a car so you probably want to think about a more comprehensive insurance option.

What exclusions and additional costs are there in SA?

If your motorcycle has been modified with custom parts or has had its upkeep neglected, you might be barred from standard cover. On top of this, there are sets of general exclusions that apply in SA, including no cover if:

  • Your bike was being used illegally, such as in street racing or burnouts
  • Your bike was being ridden by someone under the influence of alcohol or drugs
  • You ride your bike while unlicensed
  • Your bike was carrying more passengers than permitted by law

Finally, motorcycle insurers in the SA attract stamp duty at a rate of 11% of the insurance premium. While it's usually up to the insurer to pay this duty, sometimes the additional cost is passed on to you.

Still unsure if you need motorcycle insurance?

If you are still not convinced you need motorcycle insurance, consider the ways in which insurance can be a lifesaver. Whether you're winding your way through a Sunday crowd in the City of Churches or cruising along the Southern Ocean Drive, tragedy can strike in a hundred different ways, and it pays to be prepared:

  • It protects you against essential risks. Fire, theft, collision, vandalism, third party liability and more – motorcycle insurance can come through in many circumstances beyond your direct control.
  • You can get cover for a wide range of motorcycles. From tiny road bikes to thundering two-wheeled gods of the road, there's a policy for you.
  • You can customise your level of cover. Only pay for what you use! If you only break out your bike for the occasional music festival or bush doof, you probably don't need as much cover as someone who hits traffic every day on the way to work.
  • It'll give you peace of mind. How well could your finances handle having to buy a whole new bike after some idiot plowed into it in the parking lot and scarpered? What would you do if someone stole it from right outside the coffee shop? It's not worth risking thousands of dollars and constant worry – insurance can save you both.

Why you can trust Finder's car insurance experts

free

We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site