If you’re looking for a motorcycle insurance policy that offers a high level of protection for you and your bike, RAA Comprehensive Motorcycle Insurance is well worth a look. Underwritten by RAA Insurance Limited, this policy covers loss or damage to your bike, rider safety equipment, new-vehicle replacement for motorcycles less than two years old, and $20 million of legal liability cover.
Backed by the freedom to choose your own repairer and a fast and easy claims process, it’s worth considering when trying to find the right cover for your bike.
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This policy is designed for Australian riders who want the ultimate peace of mind from their insurance coverage. Benefits start with $20 million of legal liability cover when you cause damage to someone else’s vehicle or property, as well as $5 million of legal liability cover when you cause death or bodily injury.
Next, RAA Comprehensive Motorcycle Insurance provides cover against loss or damage to your motorcycle caused by accident, fire, hail, storm, theft and much more. New-for-old replacement is offered when your bike is less than two years old but a total loss, and up to $750 worth of cover for rider safety equipment is included.
The policy also offers a wide range of other benefits, including cover for emergency repairs, flexible excess options, and a lifetime guarantee on authorised repairs. Remember to always check the Product Disclosure Statement (PDS) before going ahead with cover.
What exactly is covered?
$20 million legal liability cover for damage to other people’s vehicles and property
$5 million legal liability cover for death and bodily injury
Cover for loss or damage caused by fire, theft, attempted theft, malicious damage, storm, hail, flood and collision
Up to $750 cover for rider safety equipment
New motorcycle replacement for up to two years (subject to local availability)
Freedom to choose your repairer
Lifetime guarantee on repairs if you choose an RAA approved crash repairer
Claims handled in South Australia
Cover for emergency repairs and emergency travel and accommodation costs
Flexible excess options
Recovery costs following theft
Third Party Property Insurance - What's covered?
Legal liability
Uninsured motorist extension
No fault excess
14 day change of vehicle
Flexible excess options
Legal costs
What won't you be covered for?
Your RAA Comprehensive Motorcycle Insurance claim will not be paid if:
Your motorcycle was being ridden by someone under the influence of alcohol or drugs.
It is caused by mechanical, structural or electrical breakdown or failure.
You fail to keep your motorcycle in good condition.
You do not take reasonable steps to protect your motorcycle against loss or damage.
You do not take proper precautions to prevent further loss or damage after an accident.
It is for consequential loss of any kind.
It arises due to the discharge or escape of contaminants, pollutants or other dangerous goods from your motorcycle (except if they are substances you are legally allowed to carry).
It is caused by defective or faulty parts, workmanship, design or construction.
It arises due to a deliberate or intentional act by you or by someone acting with your consent.
It arises due to depreciation, wear and tear, rust, corrosion or damage which has occurred over a period of time.
It is for the cost of repairing damage that existed before the incident occurred.
You fail to notify the insurer of any alteration or modification to your motorcycle.
Your motorcycle was being used for fare, hire or reward.
It arises due to a criminal or illegal act by you or someone acting with your consent.
It is caused by the lawful seizure of your motorcycle.
It is for any loss of value to your motorcycle as a result of an accident, theft or repairs being performed.
Your bike was being used in connection with the motor trade for experiments, tests, trials or demonstration.
Your bike was being used in preparation for any motor sport.
Your motorcycle was overloaded with passengers or goods.
It arises following repairs to your motorcycle undertaken without the insurer’s consent.
It arises due to the application of brakes or road punctures, cuts or bursts to your tyres.
Your motorcycle was being ridden by an unlicensed rider.
Your motorcycle was being ridden in an unsafe or unroadworthy condition.
It arises due to your wilful or reckless act.
How much Does RAA motorcycle insurance cost?
RAA will assess several factors when deciding on your RAA Comprehensive Motorcycle Insurance premium amount, including:
Your age. Riders of a certain age are statistically more likely to make a claim than others so are therefore charged higher premiums.
Any discounts and rewards. You may qualify for a no-claim discount or some other type of reward from RAA.
Your riding history. Your riding experience and accident history will affect the amount of your premiums.
Finance. You may be charged higher premiums if your motorcycle is financed.
Where it is kept. If your motorcycle is kept in an area with a high rate of theft or accidents, your premiums will be higher.
How far you ride. The annual distance you ride your motorcycle could have an impact on the amount you pay for cover.
Type of motorcycle. The insurer will assess the average repair costs and theft rates for your make and model, as well as any modifications you have made.
Motorcycle use. Using your bike for business purposes could increase your premium.
RAA motorcycle insurance excess
The excess is the amount you need to contribute to the cost of each claim, and the amount payable is shown on your certificate of insurance. Your claim will only be covered if it is more than the excess payable. The following excesses may apply:
Voluntary excess. This applies to all claims (except those specified below),
Non-removable age excess. This may be payable if the person riding your motorcycle was within age range set out for a young rider on your certificate of insurance.
Non-removable endorsed excess. This excess may be payable if it is shown on your certificate of insurance.
Non-removable theft excess. This excess may be payable in the event of theft or attempted theft if it is shown on your certificate of insurance.
However, you will not have to pay an excess if:
In the insurer’s opinion the driver of the other vehicle was more than 50% at fault and you can supply their name, address and registration details.
Your motorcycle is stolen or vandalised and you provide a police report that shows the name and address of the person who has been charged and convicted of the crime.
Making a claim with RAA
If an insured incident or event occurs, you must take all reasonable steps to prevent any further loss, damage or liability. You will also need to call RAA Insurance as soon as possible to provide notification of your claim.
You will need to provide any details the insurer requests, such as:
A completed claims form
Proof of ownership and value
The name, contact details and registration information of any other drivers involved
The details of any witnesses
Police report details if your motorcycle has been stolen or maliciously damaged
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Some final questions you might have
Yes, RAA offers a 21-day money-back guarantee, so you will receive a full refund if you cancel your policy within the first 21 days.
RAA Comprehensive Motorcycle Insurance offers temporary cover on your replacement motorcycle for up to 14 days.
This benefit is included as part of RAA Comprehensive Motorcycle Insurance and includes:
Emergency transport and accommodation costs if you’re unable to ride your motorcycle due to illness or injury
Transport costs due to the death of you or a family member while travelling
Transport costs due to the death of a relative not travelling with you
Yes, you can contact RAA to make changes to your policy at any time. You will not be charged or refunded any premium less than $20.
Premiums can be paid, monthly, half-yearly or yearly.
RAA Comprehensive Motorcycle Insurance is well worth a look if you want high-level protection for your bike. Compare it with other comprehensive motorcycle policies at finder.com.au to find the right cover for your needs.
Willam Eve is the country manager for Finder's Canada operations. He has previously held the positions of group publisher of insurance for Finder Australia and lead publisher for the Finder global team. William has a Bachelor of Communications from the University of Technology Sydney, Australia. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team.
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