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NRMA Motorcycle Insurance review

NRMA ticks most of the basics, plus a few extra perks. It also offers optional-add ons for more customisation.

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Our verdict


  • Emergency repairs, transport and accommodation included in comprehensive cover
  • Up to $1,000 per item - Up to $2,000 cover for protective gear
  • Specific cover available for vintage and classic motorbikes


  • No cover option for off-road motorbikes
  • There's no third party fire or theft option for motorbikes
  • No cover for personal items other than protective gear

Compare NRMA motorcycle insurance policies

Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
NRMA Comprehensive Motorcycle Insurance
Agreed or Market
NRMA Third Party Property Damage Motorcycle Insurance
NRMA Veteran, Vintage and Classic Motorcycle Insurance


NRMA's comprehensive motorcycle insurance covers the basics well and it includes plenty of options for further customisation in comparison to other motorcycle insurance providers.

Name Product Accidental damage Roadside assistance Fire and theft Agreed or market value
NRMA Comprehensive Motorcycle Insurance
Agreed or Market
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
Agreed or Market
AAMI Comprehensive Motorcycle Insurance
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.


The below prices are for comprehensive motorcycle insurance policies and they're based on a fictional driver profile — it 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.

Provider Annual cost for $7,000 bike Annual cost for $29,000 bike
GIOUnable to get online quote Unable to get online quote
AAMI$1,103.81Phone call needed to confirm quote
Budget Direct$521.81Did not offer insurance.
Suncorp$1,103.29Phone call needed to confirm quote
Mi bike$851.68$2,428.02

What additional cover options are available?

Hire car - Get a hire car if your motorbike is out of action due to an insured event.

Windscreen cover - Make a claim for a damaged windscreen without paying any excess

Choice of repairer - Pick your own mechanic, as long as they have the necessary equipment, skills, capabilities, licences and authorisations to complete the repairs.

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 238 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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