QBE Comprehensive Motorcycle Insurance
- Competitive cover limits
- Lifetime guarantee on repairs
Compare comprehensive motorcycle insurance
Compare cover from over 10 providers in Australia.
Key takeaways
- Comprehensive motorcycle insurance covers accidental damage, fire, theft and property damage to others.
- Your premiums are often impacted by bike value, age, gender, engine size and storage security.
- A December 2023 Finder survey found over 90% of riders prioritised price or features when selecting cover.
Comprehensive motorcycle insurance
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What does comprehensive motorcycle insurance cover?
With comprehensive motorcycle insurance, you’ll be covered for:
- Accidental damage to your bike
- Damage you cause to other people’s car, bikes and property
- Fire, storm and theft
- Hire vehicle after theft
- New bike replacement
- Key replacement
- Emergency repairs
- Towing and storage costs
You can also add on cover for:
- Roadside assistance
- Personal effects
- Riding gear
- Emergency accommodation
- No excess windscreen protection
What will impact how much I pay?
Comprehensive motorcycle insurance can be expensive but there are ways to save. It's good to know what to expect when you're gathering quotes. Your premiums are determined by factors such as:
- The price of your bike. More valuable motorcycles cost more to insure. Similarly, it is often more expensive to insure a vehicle at agreed value than market value.
- Your age and gender. Younger riders, and males in particular, are statistically more accident prone and will often have higher premiums.
- The engine capacity. More powerful engines may be more likely to lead to accidents, and higher speeds mean accidents are often more severe. As such, more powerful engines will often carry higher premiums.
- Additional modifications and features. Modifications and features can raise the cost of your bike, which in turn raises premiums.
- How you store your bike. Keeping your motorcycle in a secure garage overnight will often get you lower premiums than if parking it in the open.
- Your chosen excess. A higher basic excess means lower premiums.
- Your policy options. Adding additional options to your comprehensive motorcycle insurance will typically raise premiums.
- Your location. Living in a high crime area, or an area with a statistically higher rate of vehicle accidents, can raise your premiums.
Finder survey: What is the most important feature when choosing motorcycle insurance?
| Response | |
|---|---|
| Price | 48.72% |
| Features | 43.59% |
| Customer service | 7.69% |
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
How I saved $550 by comparing and switching
"My husband's comprehensive motorcycle insurance was up for renewal and I couldn't believe the bill we were served. The insurance provider wanted us to renew our policy for over $1,300 when it used to cost about $900 to insure. Inflation is bad but it's not that bad. I shopped around and ended up finding a policy that only charged us $750. This policy even included more features, like roadside assistance, and higher benefit limits than the $1,300 policy. It always pays to shop around."
-Peta Taylor
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Dear Sir / Madam,
I would like to get a quote for my electric motorcycle which is a Fonzareli Arthur 2 model from 2020. The vehicle has no improvement / addition except for a surfboard rack which has been mounted.
Could you please provide some quotes from different insurance companies.
Best regards,
Thibaut
Hi Thibaut,
You’ll need to click the ‘Get quote’ button to add your details and get a personalised quote from insurers you’re interested in. We’re unable to do this for you as quotes are tailored to your personal circumstances and will include questions about your bike and your driver profile that only you can answer. I hope this helps!