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If you use the road, whether it’s on four wheels or two, your chances of being involved in an accident are the same. And if you own an expensive piece of machinery, whether it’s a car or a motorcycle, your chances of having it stolen are also equally high. This is why motorcycle insurance is an important protection to have.
Known for their roadside assistance, RACV offers a range of products and services including motoring services, home assistance, finance and insurance. Their motorcycle insurance products include comprehensive and third-party insurance as well as veteran, vintage and classic cover. Insurance Manufacturers of Australia, a subsidiary of NRMA Personal Lines Holdings Pty Limited underwrites all RACV Motorcycle Insurance policies.
RACV has a cover option to suit every kind of motorcycle user, including the following:
This provides comprehensive cover against loss or damage for a wide range of risks including accident, fire, theft and third-party liability.
This covers damage from accidents, fire, theft, floods, storms, and malicious acts. It also covers towing, vehicle pick up and return, a hire car after a theft for up to $60 per day for 21 days and an optional hire car after an incident for up to $60 per day for 14 days.
Cover also includes protection for personal items, new vehicle replacement within two years and damage to the windscreen and window glass. It also covers the replacement of keys, locks and barrels. The policy also includes Aussie Assist personal emergency assistance if you’re more than 100km from home.
This provides third party liability cover for loss or damage to someone else’s property due to an accident caused by your motorcycle.
This policy includes up to $20 million liability cover for damage to someone else’s vehicle or property and up to $5,000 for loss or damage in an accident that is not your fault. You also get cover for towing from the scene of an accident to your repairer or place of safety.
The policy also gives you access to Aussie Assist personal emergency assistance.
This provides comprehensive cover for veteran (pre-1919), vintage (1919-1930) and classic (generally 15 years or older) motorcycles.
This covers loss or damage up to the agreed value, emergency repairs up to $500, damage to protective clothing up to $3,000 and trailer damage up to $500. You also get cover for storage costs, temporary cover for 14 days when you change motorcycles and cover for towing as well as cover for windscreen and window glass damage. You also get up to $1,000 worth of cover for keys, locks and barrels.
This policy also includes retention of salvage, which means if your motorcycle is written off and is more than 35 years old, you keep it at no cost. You also get up to $20 million liability cover for damage to someone else’s vehicle or property. The policy also comes with Aussie Assist personal emergency assistance and RACV Extra Care, which is 24-hour emergency roadside assistance.
Cover for accidental damage to your vehicle
Summary of Cover | Comprehensive Motorcycle Insurance | Third Party Motorcycle Insurance |
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Cover for accidental damage to your vehicle |
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Cover for fire, theft, flood, storm or a malicious act |
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Towing, vehicle pick up and return |
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RACV Premier 1 Rating |
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Years of Membership Benefits |
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Flexi Excess option |
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Multi-Policy Discount |
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Hire car after a theft |
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Hire car after an incident |
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Choose your own repairer |
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Cover for personal items |
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New vehicle replacement within two years |
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Choice of agreed or market value |
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Replacement of keys, locks & barrels |
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Cover for windscreen and window glass |
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General exclusions are circumstances in which RACV Motorcycle Insurance will not pay a benefit. These exclusions include the following:
How much your RACV Motorcycle Insurance will cost depends on the following range of factors:
An excess is an amount you are required to contribute towards the cost of a claim. With RACV Motorcycle Insurance, there are three types of excesses:
You will not have to pay an excess if an incident was not your fault and you are able to provide RACV with the name and address of the at-fault party.
If you need to make a claim on your RACV Motorcycle Insurance policy, the procedure is relatively straightforward:
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