Motor insurance is a vital protection that we all need to have, whether we travel on four wheels or two. Accidents happen and even the most careful driver or motorcycle rider can be involved in an incident or have their vehicle stolen or damaged.
Suncorp Motorcycle Insurance offers three levels of cover, with a policy that’s right for you and your motorcycle. They include: Third Party Property Damage; Fire, Theft and Third Party Property Damage; and Comprehensive cover. All are underwritten by AAI Limited, one of Australia’s largest general insurers.
We don't currently have this brand on our panel. But don't fret! You can head to the Suncorp website or compare other motorcycle insurance cover with finder.
Suncorp Motorcycle Insurance has a policy to suit every rider’s needs, from basic cover through to insurance with all the bells and whistles. Choose from;
Top-level cover with lots of added extras, this includes liability cover for loss or damage to another person’s vehicle or property, accidental loss or damage to your motorcycle from events such as flood, theft, collision and impact, and a two-year new motorcycle replacement following a write-off or theft.
Up to $20 million liability cover for damage to other people’s property
Accidental loss or damage to your motorcycle
Replacement motorcycle cover
Damage by uninsured drivers
Emergency travel, accommodation and repairs
Hire car after theft (up to 21 days)
New motorcycle after total loss for motorcycles less than two years old
Personal property (up to $500)
Riding apparel (up to $2,000)
Locks and keys
Storm, hail, flood, fire and theft
Third Party Property Damage for trailers
Towing and storage costs
Two-wheel trailer cover
Fire, Theft and Third Party Property Damage
Includes liability cover for loss or damage to another person’s vehicle or property plus accidental loss or damage to your motorcycle from fire, theft or attempted theft.
Up to $20 million liability cover for damage to other people’s property
Replacement motorcycle cover
Damage by uninsured drivers (up to $5,000)
Hire car after theft (up to 21 days)
Fire and Theft Only cover for accidental loss or damage, emergency travel, accommodation and repairs, personal property (up to $500), riding apparel (up to $2,000) and towing and storage costs
Theft Only cover for locks and keys (up to $1,000)
Third Party Property Damage
Basic cover without the extras which covers your legal liability for loss or damage to another person’s vehicle or property.
Up to $20 million liability cover for damage to other people’s property
Biological, chemical or other pollutant or contaminant
Business use
Confiscation or repossession
Condition of motorcycle
Dangerous goods
Exceeding loading or passenger limits
Failure to take reasonable precautions
Hire, fare or reward
Intentional loss or damage
Modifications
Motor sports or similar activities
Radioactivity/nuclear materials
Reckless acts
Revolution or war
Riding a damaged motorcycle
Unlawful purposes
Unlicensed riding
Unregistered motorcycles
Incorrect fuel usage
Loss or damage outside Australia
How much does Suncorp motorcycle insurance cost?
Factors that are used to determine the cost of your Suncorp Motorcycle Insurance include:
The make and model of your motorcycle
Your age and the age of those riding your motorcycle
The value of your motorcycle
Accessories and modifications on your motorcycle
Where your motorcycle is housed
Where your motorcycle is parked
Any security features your motorcycle has
Your riding history
The options you select in your cover
The level of excess you choose
How you opt to pay your premiums (monthly or annually)
Is there any excess I should be aware of?
An excess is the amount you must pay for an incident when you make a claim. The total excess you will pay depends on the circumstances and you may be required to pay more than one type of excess when you claim.
The excesses which apply to Suncorp Motorcycle Insurance are:
Standard excess. Applies to all claims, unless stated otherwise in your policy.
Voluntary excess. You can choose a voluntary excess from the range offered to reduce your premium.
Age excess. Applies if the rider is under 25 years of age at the time of an incident.
Inexperienced rider excess. Applies if an inexperienced rider is in charge of the motorcycle at the time of an incident.
How do I make a claim?
If you are involved in an incident, here are the steps to take when making a claim on your Suncorp Motorcycle Insurance:
Ensure everyone is safe (for emergencies call 000)
Try to prevent any further loss or damage
Report the incident to the police if someone is injured or your motorcycle has been maliciously damaged or stolen
Record the time, date, report number and name of the recording police officer
Record details of all drivers, passengers and witnesses
Contact Suncorp Insurance as soon as possible on 13 25 24, making sure you have all these details on hand to assist with lodging your claim
Why you can trust Finder's car insurance experts
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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.
Other questions you may have
Yes, providing they have a valid learner's permit and is listed as a rider on your policy.
No, you are only covered for the motorcycle listed on your policy.
Yes, if you have Comprehensive cover, your motorcycle will be replaced with a new one if it is less than two years old at the time of the incident.
No. This is classed as reckless behaviour and is excluded from cover.
Market value is what your motorcycle is worth on the open market, while agreed value is what you and your insurer agree will be paid to you if your motorcycle is a total loss.
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.
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