QBE Motorcycle Insurance Review

QBE offers 3 levels of motorcycle insurance cover. See what’s covered to find what’s right for you.

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QBE Motorcycle Insurance

Our verdict

Pros

  • QBE has 3 levels of cover available, great for those who need flexible options.
  • Its comprehensive policy offers higher benefit limits for some features like key replacement.
  • You can get a discount if you're part of a QBE approved motorcycle club.

Cons

  • QBE is known for being on the more expensive side.
  • Its comprehensive policy is missing popular benefits like personal effects coverage.

What types of motorcycle insurance does QBE offer?

Comprehensive

QBE's Comprehensive motorcycle insurance covers damage to your bike, theft, fire, and accidents, whether you're at fault or not. It also includes liability coverage for damage to other people's property.

Third party fire and theft

This policy protects against theft and fire damage to your motorcycle while also covering you for damage caused to other people's property. It's a budget-friendly option with added protection for unexpected losses.

Third party property damage

This option covers you for damage your motorcycle causes to other people's property but does not include coverage for your own bike. It's the most affordable coverage available.

What does QBE motorcycle insurance cover?

Comprehensive policy
BenefitDefinitionQBE's policy
Damage to your motorcycleCovers repair or replacement after accidents, theft, or disasters.Yes
Agreed or market valueThe amount your insurer will pay if your motorcycle is written off:

Agreed value: A fixed amount agreed upon when you purchase the policy.
Market value: The estimated value of your motorcycle at the time of the claim.

Agreed or Market
New motorcycle replacementReplaces written-off motorcycle with a brand-new one.Yes
Motorcycle apparel coverCover for your gear like helmets and leathers.Up to $4,000
Choice of repairerAllows you to select your preferred repair service.No
Roadside assistanceHelps with breakdowns, towing, battery issues, or flat tyres.No
Key replacement Covers lost, stolen, or damaged keys, including electronic reprogramming.Up to $1,500
Hire car after accidentProvides temporary vehicle while yours is repaired.Yes
Personal effectsCovers stolen or damaged belongings inside your motorcycle.No
Damage to other people's propertyCovers repair costs for others' damaged property. This will be called legal liability on the PDS.Yes
Third party fire & theft policy
FireCovers repair or replacement costs of your bike if damaged by fire.Yes
TheftCovers repair or replacement costs of your bike is damaged by theft or stolen.Yes
Legal liabilityCovers repair costs for others' damaged property.$30,000,000
Uninsured motorist damageCover for damage to your vehicle if inflicted by an uninsured driver.No
Third party property damage policy
Legal liabilityCovers repair costs for others' damaged property.$30,000,000
Uninsured motorist damageCover for damage to your vehicle if inflicted by an uninsured driver.No

Be sure to refer to the product disclosure statement (PDS) to see all benefits and limits for your chosen policy.

Is QBE motorcycle insurance good?

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Our expert says

"QBE is good to consider if you want multiple insurance options to consider as it offers 3 cover levels. If you're looking exclusively at the comprehensive product, it's a strong policy in terms of benefit limits for new motorcycle replacement, key replacement and emergency accommodation. But it lacks in other areas, for example, personal effects aren't covered at all."

Insurance expert

Case study

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My experience with QBE comprehensive motorcycle insurance

"My husband held comprehensive motorcycle insurance with QBE but we recently had to switch due to how expensive it became. When we originally purchased the policy, QBE had a brilliant price beat guarantee. This meant that we got to enjoy the extensive benefits at a really competitive and affordable price. Unfortunately, when it came time for renewal, our bill went up massively. I was able to find similar coverage with another insurer for $550 less per year, so that's what we did."

Publisher of Insurance

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FAQs

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Written by

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

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