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QBE Motorcycle Insurance

Ride with QBE and a choice of different levels of cover

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QBE Comprehensive Motorcycle Insurance

QBE Comprehensive Motorcycle Insurance logo image
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  • Competitive cover limits
  • Lifetime guarantee on repairs
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T&Cs apply.

Green Insurer of the Year 2023

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.

PGreen Insurer Winner

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.

*Conditions apply, see the product disclosure statement for details.

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Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
QBE Comprehensive Motorcycle Insurance
Agreed or Market
Finder's summary: QBE won our Green Insurer of the Year Award. Budget friendly and environmentally friendly.

Who it might be good for: Anyone on a budget who still wants good-quality cover.
QBE Third Party, Fire & theft Motorcycle Insurance
Market
QBE Third Party Only Motorcycle Insurance
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QBE motorcycle cover options

BenefitsComprehensiveThird party, fire and theftThird party only
Accidental damage
Fire and theft
Legal liability$30,000,000$30,000,000$30,000,000
Motorcycle apparel$4,000
Travelling expenses$1,000
Emergency accommodation$1,000
Lifetime repair guarantee

Additional benefits with QBE motorcycle insurance

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.

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QBE motorbike insurance FAQs


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Group publisher

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. See full bio

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