QBE is our Finder Green Awards winner this year. A portion of your premiums go towards a social or environmental cause and it's on target to be a net-zero emissions organisation by 2030.
Motorbike insurance is a lot like car insurance in that premiums are largely determined by your riding history, previous claims, vehicle and location. Some states might also need you to purchase a Compulsory Third Party policy. This means insurers are ready to compete for your business, and QBE in particular is going above and beyond to deliver effective motorcycle insurance at literally unbeatable prices.
For the first 12 months of any new or renewed policy, QBE offers a motorcycle insurance price match guarantee, and will beat the price of any licensed* competitor's equivalent policy while simultaneously offering a full range of options.
Whether you're just getting the minimum legal liability cover or want to protect your ride and your gear with full comprehensive motorcycle insurance, QBE can deliver a better price.
*Conditions apply, see the product disclosure statement for details.
Deal
QBE Pricebeat
Buy a QBE motorcycle policy and get price beat promise for similar policies. Valid for 12 months. T&Cs apply.
Note: These additional benefits may only be available on comprehensive policy. Always check the PDS before going ahead with cover.
Travelling expenses. If your bike cannot be ridden as the result of an incident, you can claim up to $1,000 in travel expenses for getting home.
Emergency accommodation: If you're more than 100km from home when your bike is rendered unrideable by an incident you can claim up to $1,000 for emergency accommodation.
Motorcycle apparel: Claim up to $4,000 in total for gear damaged in an incident, and up to $2,000 per single item.
Hire vehicle reimbursement: If you're renting a vehicle following the theft of your bike, QBE can reimburse you for reasonable expenses until the bike is found, 14 days have passed or you've hit the $1,500 limit.
Trailer cover: Claim up to $750 for single-axle trailers damaged or stolen while in your possession and attached to your bike.
Rekeying: Claim up to $1,500 for replacement and recoding of stolen keys, if you have provided a police report.
Training cover: Remain covered by your motorcycle insurance while undertaking approved QBE rider training courses.
General exclusions
Exclusions are what is not covered by the policy, and can include situations where the insurer won't pay out and circumstances where the bike isn't covered. Your QBE motorcycle insurance policy won't pay out if:
Your bike is unregistered, excluding Fire & Theft as the policy is suitable for unregistered dirt bikes
The rider is under the influence of drugs or alcohol
The bike is in an unroadworthy or unsafe condition
Damage done is the result of normal wear and tear, corrosion or rust
Damage done is to non-standard modifications or unlisted accessories
The motorcycle is being used on a speedway, racetrack, in a rally, or in preparation for a time trial or hill climb
Insurers may also refuse to pay claims if the policyholder is found to have breached the terms and conditions of the policy, including by being dishonest or otherwise failing to meet the policy requirements.
How much does QBE motorcycle insurance cost?
The cost of your motorcycle insurance premiums depends on a variety of factors, much like with car insurance. QBE considers factors including:
Sum insured. The on-paper value of the bike for insurance purposes. You are able to choose agreed value or market value, and may be able to reduce premiums by opting for a lower sum insured.
The type of policy. Comprehensive cover naturally costs more than personal liability only.
The year, make and model of the bike. This can affect the cost in numerous, complex ways. Newer models might be more valuable, but can also be cheaper to repair, while some models are stolen considerably more than others.
Your location. If your area is at high risk of theft, you may be getting higher premiums.
Rider's age. Young riders may have higher premiums.
How much is the QBE motorcycle insurance excess?
The excess is an additional amount that must be paid when making a claim. All motorcycles start off with a standard excess, which is then modified according to other factors including:
Age. Under 25s pay more.
Standard bike excess. First amount you have to pay.
Undeclared riders. The excess is higher for claims involving riders not listed on the insurance policy.
Rider experience. Riders with less than three years of experience will need to pay extra on claims.
Theft excess. Theft claims may involve an additional excess.
Imposed excess. Shown on the schedule.
Named Rider excess. This applies when a specific rider listed on the policy has to pay an extra excess for any claims made while they were using the bike.
Rider Training excess. Applies only when undertaking a QBE approved course conducted under the direct supervision of trained motorcycle riding instructors.
How to make a motorcycle insurance claim with QBE
After an accident, your first steps are to prevent further loss or damage, make sure everyone's safe and notify the police if needed.
Call QBE on 133 723 as soon as possible if you intend to make a claim or do it online.
You will need:
Your QBE policy number
The name, address, phone number, email, licence number and insurer of other parties involved
The registration of all vehicles involved
Details of the accident, including time and place
Once you've informed QBE of the incident and what happened they will assess the claim, get in touch with the other parties, manage repairs and settle your claims.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
QBE motorbike insurance FAQs
Yes. Ideally you should check with them before making modifications.
Yes, although it's only included automatically with the QBE comprehensive insurance.
Yes. Your policy may even cover you while undertaking rider training.
Yes. Any repairs made with the approval of QBE, from a QBE-approved repairer, are covered by a lifetime guarantee.
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.
These General Terms and Conditions ("General Terms") apply to the game of chance identified as the "Competition" in the schedule of particulars for the Competition that explicitly references the General Terms ("Competition Schedule").
Finder acknowledges that today ASIC has filed an appeal with the Full Federal Court in relation to proceedings against Finder Wallet regarding its Finder Earn product.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
