RACV Motorcycle Insurance review

RACV’s comprehensive policy has good benefits but there are limited customisation options for motorbikes.

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By

Nicola Middlemiss

Updated

Fact checked

Key takeaways

  • RACV Comprehensive Motorcycle Insurance offers generous emergency benefits and specific cover for vintage bikes.
  • Key policy limitations include no personal effects cover beyond gear and vague towing benefit limits.
  • Existing RACV customers can save 10% on premiums when holding two or more eligible policies.

Our verdict

Pros

  • Generous benefits for emergency repairs, transport and accommodation
  • Get a hire car for Up to $60 per day - Up to 21 days if your bike is stolen
  • Cover options for vintage, veteran and classic motorbikes

Cons

  • Aside from protective gear, personal effects aren't covered
  • Some benefit limits are vague, including towing up to 'a reasonable cost'
  • There's no option to add hire car cover for accidents

Compare RACV motorcycle insurance policies

RACV has a range of motorcycle insurance policies to choose from.

Roadside assistance Accidental damage Fire and theft Choice of repairer Agreed or Market Value
RACV Motorcycle Insurance logo
RACV Third Party Property Damage Motorcycle Insurance
N/A
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RACV Motorcycle Insurance logo
RACV Comprehensive Motorcycle Insurance
Optional
Agreed or Market
Discount: Get up to 10% off each eligible policy when you take out two or more policies, including home and motor insurance. T&Cs apply.
Summary: RACV has a specific policy for vintage and classic motorbikes, with the option to keep your written-off vehicle for no cost if it’s over 35 years old.

Who it might be good for: Existing customers who want to make use of decent discounts or vintage bike owners.
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What additional cover options are available?

No excess windscreen option - waive the excess when you claim for a repair or replacement of your windscreen.

Roadside assistance - Breakdown cover from just a month, including rescue in severe weather, following a flat tyre, or even if you're just too exhausted to ride.

Compare other products from RACV

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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. See full bio

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Nicola has written 170 Finder guides across topics including:
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