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RACQ Motorcycle Insurance review

RACQ has limited options for riders. There’s only comprehensive cover available and no optional add-ons to customise your policy.

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Our verdict


  • Towing and storage costs are covered following an incident
  • Your next of kin receives a $7,500 death benefit if you're fatally injured
  • Access a range of member discounts with RACQ


  • Only comprehensive cover is available for motorbikes
  • There's no hire car offered if your bike is stolen
  • There's no cover for key replacement, which is offered by many other brands


RACQ's comprehensive motorcycle insurance policy covers the basics and allows you to select either market or agreed value cover — this isn't an option for other motorcycle insurance providers. However, RACQ lags behind in other parts of coverage with no option for a hire car after theft or an accident. Compare your options to find the best motorcycle insurance for your needs.

Name Product Accidental damage Roadside assistance Fire and theft Agreed or market value
RACQ 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
⭐ Current offer: Get a quote now for your chance to win 1 of 2 Triumph Motorcycles. T&Cs apply.
NRMA Comprehensive Motorcycle Insurance
Agreed or Market

What additional cover options are available?

Roadside assistance - While roadside assistance isn't available as part of a motorcycle insurance policy, it is available as a seperate product. Choose between four levels of cover, in case you break down on the road. Up to 200km towing, flat battery service, tyre changing, and more.

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