Best motorcycle insurance Australia

Finder favourite

Youi Comprehensive Motorcycle Insurance

Youi Comprehensive Motorcycle Insurance

Fantastic customer service

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Value

QBE Comprehensive Motorcycle Insurance

QBE Comprehensive Motorcycle Insurance

Robust features and cover limits

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Price

NRMA Comprehensive Motorcycle Insurance

NRMA Comprehensive Motorcycle Insurance

One of the cheapest in our database

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Bonus

Budget Direct Comprehensive Motorcycle Insurance

Budget Direct Comprehensive Motorcycle Insurance

15% off for new online customers

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Finding the best motorcycle insurance

To help you find the best motorcycle insurance, our insurance team did an analysis of 16 motorcycle insurance policies. This included trawling through product disclosure statements (PDS), getting quotes and evaluating which ones offered the best value. Of the 16 we analysed, only 8 had an online quote available - you had to call the providers for the others. So we've focussed our analysis on the ones where we were able to get a price.

Remember, what's best for you will depend on your personal circumstances so this should be used as a guide only. Always read the product disclosure statement and get your own quote to know if it's a good fit for you.

• Finder Favourite: Youi Comprehensive Motorcycle Insurance
• Best for features: National Motorcycle Insurance On Road Comprehensive
• Best for value: QBE Comprehensive Motorcycle Insurance
• Best for price: NRMA Comprehensive Motorcycle Insurance
• Best for bonuses: Budget Direct Comprehensive Motorcycle Insurance

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
Finder Favourite
Youi Comprehensive Motorcycle Insurance					Agreed or Market	Get Quote View details Compare product selection Compare	loading	Why we like it Finder's own staff have had many positive interactions with Youi, with many choosing Youi for our own insurance needs. This pick is based on our personal experiences with the brand. Pros & cons Pros Youi has fantastic customer service — this has been tried and tested by our own team. Youi is well priced, particularly for how thorough their coverage is. It covers more than other, more expensive providers, including motorcycle gear and roadside assistance as standard. Cons You have to talk to them on the phone to get a quote. Youi does not have the option to select your choice of repairer.
Best for features
National Motorcycle Insurance On Road Comprehensive	Optional				Agreed or Market	View details Compare product selection Compare	loading	Why we like it Of the 16 comprehensive motorcycle insurance providers we researched, National Motorcycle Insurance had the most robust coverage. It includes choice of repairer, personal effects and motorcycle gear all as standard, and has roadside assistance available as an optional extra. Pros & cons Pros It's well-priced for how comprehensive it is. It still came in around $400 cheaper than other providers who offer less coverage. It offers agreed or market value so you can pick what's best for your bike and your budget. Cons There are cheaper policies available if you don't need so much cover.
Best for value
QBE Comprehensive Motorcycle Insurance					Agreed or Market	Get Quote View details Compare product selection Compare	loading	Why we like it QBE offers a good mix of thorough coverage, paired with affordability. It covers the essentials and was among some of the cheapest providers we found when we got quotes. Pros & cons Pros QBE's comprehensive motorbike insurance policy includes really robust features and high coverage limits. QBE is cheaper than most other policies that we were able to get a quote for. QBE gives you the option to insure your motorcycle for agreed or market value. Cons QBE's policy does not have the option to add roadside assistance. QBE does not include a choice of repairer. QBE does not include cover for personal effects.
Best for price
NRMA Comprehensive Motorcycle Insurance				Optional	Agreed or Market	View details Compare product selection Compare	loading	Why we like it Of the 8 providers we got quotes for, NRMA was the cheapest. Prices will vary depending on circumstances but it's a useful indication. Pros & cons Pros Despite being the cheapest, it still has decent coverage with plenty of optional extras to further tailor your cover. It has custom products such as one specifically for vintage motorcycles. Cons There is no option to add roadside assistance to your motorcycle insurance policy. It does not include cover for motorcycle gear as standard, you'll have to add that on for an additional fee.
Best for bonuses
Budget Direct Comprehensive Motorcycle Insurance				Optional	Agreed or Market	15% off your first year's premium when you take out a policy online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading	Why we like it We chose Budget Direct as our pick for best bonus because of the providers we got quotes for, Budget Direct was the only one to offer a discount for new customers. Pros & cons Pros Budget Direct gives new customers who sign up online a 15% discount on their first year's premium. Budget Direct's comprehensive policy was priced around the middle of the pack, of those we researched. It has plenty of optional extras available to further tailor your cover. Cons Roadside assistance can't be added to your motorcycle insurance policy. It is more expensive than other providers who offer similar coverage.

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Motorcycle insurance costs guide

The cost of motorcycle insurance varies between providers and your cost will depend on your personal circumstances, the below should be used as a guide only.

6 of 6 results

Updated regularly

Sample quote
QBE Comprehensive Motorcycle Insurance	Sample quote $1,732.22	Get Quote View details Compare product selection Compare	loading
Budget Direct Comprehensive Motorcycle Insurance	Sample quote $1,062.22	Get Quote View details Compare product selection Compare	loading
AAMI Comprehensive Motorcycle Insurance	Sample quote $2,113.06	Continue View details Compare product selection Compare	loading
National Motorcycle Insurance On Road Comprehensive	Sample quote $1,479.31	Continue View details Compare product selection Compare	loading
Mi-bike Comprehensive Motorcycle Insurance	Sample quote $1,114.22	Continue View details Compare product selection Compare	loading
NRMA Comprehensive Motorcycle Insurance	Sample quote $765.26	Continue View details Compare product selection Compare	loading

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Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

• How we got these quotes

  *Quotes were sourced on the following profile:

  • 30 years old, 5+ years licensed
  • Male
  • No finance
  • Private use of motorcycle
  • Adjusted excess to $500 where possible
  • Motorcycle is parked in a locked garage
  • Exclude drivers under 25

  • No additional driver
  • Start date of policy 31 March 2026
  • No discounts, no memberships, no add-ons
  • Drives 4,000–8,000km per year
  • Located in Sydney NSW, 2011
  • 2022 Yamaha MT-09A MY22 Sports

  Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of motorcycle you drive, the colour of the motorcycle, how long you have been driving and the amount of cover you need. Be sure to read the PDS to find cover that suits you.

Case study

Peta's motorcycle insurance savings

"Recently, my husband's motorbike insurance was up for renewal and the premium had doubled. I ended up getting quotes from 5 other providers and then went with Youi. They offered exactly what we needed and cost half of what we'd ben quoted by the other insurer. It was the perfect reminder to never set and forget your insurance. We ended up saving over $550 which felt like a huge win! "

Peta Taylor

Publisher of Insurance

Which type of motorcycle insurance is best for me?

Comprehensive motorcycle insurance

Comprehensive motorcycle insurance is best if you want full protection. It's the only level of insurance to cover damage to your own bike, including theft, as well as other people's vehicles and property. It's good for people who:

• Would not be able to replace their bike if it was written off
• Value their motorcycle and want to protect it

Third party motorbike insurance

This covers damage to other people's property, including their vehicles. Many insurers will allow you to add fire and theft protection for your own bike. It's a good level of cover for people:

• On a budget with a low-value motorbike
• Who could afford to replace their bike if it was written off

Compulsory third party

This is mandatory and covers people injured by your bike because of an accident. It's good if:

• You can only afford the bare minimum
• You could afford to pay for damage to other people's property (keep in mind this could be extremely expensive)

Expert tip on finding the best motorcycle insurance for your needs

Our expert says

"If you're getting comprehensive cover and have expensive motorcycle gear, make sure you take a look at apparel cover. Some insurers will cover you for different amounts – for example, some, such as QBE cover you for up to $4,000. Others including Budget Direct, only include riding gear cover as an optional extra."

Gary Ross Hunter

Journalist

FAQs

• How much is my bike insured for?

  When you take out your insurance you can choose to insure your bike for an agreed value or market value.

  • The agreed value is agreed upon when you first take out your insurance policy.
  • The market value is determined by the insurer depending on the market value of your vehicle at the time of the accident.

• My bike is brand new. Will I get a new bike if I have an accident?

  In general, the new bike replacement option is in place for two years from the time the bike was first registered. This means first registered by anyone, not just you (important to note if your bike is secondhand). If your bike is older than that, this feature won't apply.

• Are pillion passengers covered by my insurance?

  For standard policies, pillion passengers are generally not covered. You need to make a specific request for this to be added on and it'll come at an extra cost. Again, check the PDS to confirm this.

• Are sidecars included in my policy?

  Generally, these are an extra that must be manually added on, as they're not a standard inclusion for motorbikes upon purchase.

Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio