mi-bike offers policies for various motorcycle types including off-road options like ATVs.
Key replacement is covered up to $1500 and riding gear up to $3000.
Personal effects cover is limited to $500; there is no online claims portal available.
Our verdict
Pros
Strong range of benefits, including choice of repairer, trailer cover, and wellness cover
You can get cover for motocross, enduro, ATV, SSVs and kids fun motorbikes
Up to $3,000 - Up to $1,500 per item covered for damaged riding gear
Cons
Up to $500 of personal effects are covered, but we found two brands that cover up to $5,000.
There's no hire car cover if you're in an accident - a common benefit from other brands
Compare mibike motorcycle insurance policies
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How we picked these
How does mi-bike compare to other popular motorcycle insurers?
Price
The below prices are for comprehensive motorcycle insurance policies and they're based on a fictional driver profile — they should be used as a guide only. Your own quote will differ based on the model of your motorcycle, your driver history and many other personal circumstances. Keep in mind, the best motorcycle insurance for you may depend on more than price.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
*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.
What additional cover options are available?
mi-bike has a range of add-on cover options available, so you can tweak your policy to better fit your needs.
Lay-up cover - Adjust your policy so it's only active on weekends, or when your motorbike is within the gates, walls, or fences of your home address. This makes your policy cheaper and could work for weekend-only riders. Read the PDS for full details.
Tyre and rim cover - Cover if a tyre is damaged, punctured or suffers a blowout, outside of an insured incident. For example, riding over a nail. Cover if a rim is cracked, warped or misshapen by potholes, kerbs, nails, screws, metal, glass, road debris.
Roadside assistance - mi-bike also offers roadside assistance, featuring 24/7 recovery, emergency accommodation, flat battery service, lack of fuel, accident coordination, and more.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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