Swann Motorcycle Insurance

Even the most careful motorcycle rider can be involved in an accident or have their bike stolen or damaged through no fault of their own, which is why motorcycle insurance is such an important protection to have.

Its motorcycle cover includes comprehensive and third party liability cover. It also offers scooter insurance. Swann insurance is underwritten by Insurance Australia Limited.

Swann Motorcycle Insurance levels of cover

Each of these policies offers the following levels of cover:

• Comprehensive. This policy includes cover for accidental and malicious damage, theft, fire, bushfire and grassfire, cyclone, flood and storm. You can get cover for the replacement of your motorcycle with a new one as long as it is no older than 24 months when the insured event occurs. You can also get cover for your trailer up to $1,000 each. You get cover for towing and clean-up costs as well. The comprehensive policy gives you cover for emergency repairs and expenses up to $500 and for a car hire up to $100 a day for up to 15 days. You also get up to $20 million cover for legal liability and can get a bonus for not making any claims.
• Third party liability. This policy includes up to $20 million legal liability cover as well as up to $5,000 cover if an uninsured motorist damages your motorcycle.
• Scooter insurance

Are there any exclusions I should be aware of?

All cover types are subject to general exclusions where Swann Motorcycle Insurance will not pay a benefit. These include the following:

How much does Swann motorcycle insurance cost?

Factors that influence the cost of your Swann Motorcycle Insurance include the following:

What's the excess like?

The excess is the bit you need to chip in when you make a claim. With Swann, there are five types of excess which apply:

• Basic excess. The basic excess is the standard excess you'll be required to pay whenever you make a claim. The amount should be stated on your Policy schedule. You can increase the excess to reduce the cost of your premium, but only if you have comprehensive cover.
• Age excess. This is the excess you must pay if the rider of your motorcycle at the time of an incident was under a certain age.
• Licence excess. This is an excess you need to pay if the rider of your motorcycle held a learner's permit or a probationary or provisional licence at the time of an incident.
• Theft excess. This is the excess you must pay if your motorcycle is stolen.
• Special Excess. This excess is based on factors such as your riding, driving and criminal record, as well as the type of motorcycle you are driving. It'll be calculated when you apply for a policy and written on your policy schedule for a minimum of two consecutive years.

The age and license excesses do not apply to dirt bike cover.

How do I make a claim?

Making a claim on your Swann Motorcycle Insurance involves the following steps:

• You need to lodge your claim as soon as possible after an incident (preferably within 14 days) either on the website at www.swannmotorcycle.com.au or by calling 13 74 33.
• You need to provide all reasonable assistance when requested, including giving honest, accurate information.
• You need to provide documentation if requested (ie, police reports or any other documentation).
• You need to refer all communications from other parties to Swann Insurance.

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Other commonly asked questions

• Are learner riders covered on my motorcycle?

  Yes, as long as they have a valid learner's permit and are listed as a rider on your policy. An additional excess will apply if they are involved in an incident.

• Does my policy include a new motorcycle replacement period?

  If you have comprehensive cover, your motorcycle will be replaced with a new one if, within 24 months of purchase, it is involved in an incident and is a total loss.

• Do I need to advise you of any modifications I make to my motorcycle?

  Yes, since they will affect the cost of your premium.

• Does my insurance cover me riding other motorcycles?

  No, you are only covered when riding the motorcycle that is listed on your insurance policy.

• Can I insure more than one motorcycle?

  Yes, Swann Insurance lets you insure up to five motorcycles with different cover types. A multi-motorcycle discount applies if you insure more than one bike under one policy.