
Get exclusive money-saving offers and guides
Straight to your inbox
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Whether it's your first policy or you're looking to switch, there are plenty of motorcycle insurance options out there if you live in South Australia.
You can choose from three cover options - comprehensive motorcycle insurance, third party fire & theft motorcycle insurance or third party property only motorcycle insurance - with a range of insurers. Find out below who you can get cover with and what option is best for you.
There are three types of motorcycle insurance available in SA: comprehensive insurance, third party fire and theft, and third party property damage. Here you can find the three main motorcycle insurance cover options by Youi, an overview of what each policy covers and a helpful breakdown of their main features.
Feature | Comprehensive | Third party fire and theft | Third party property damage |
---|---|---|---|
Damage to other people's property |
|
|
|
Damage to your own motorcycle when involved in a no-fault accident with uninsured motorist |
|
|
|
Damage to your motorcycle by fire and theft |
|
|
|
Damage to your motorcycle in an accident/collision |
|
|
|
Damage to your motorcycle by vandalism, storm, hail, flood, earthquake |
|
|
|
Motorcycle insurance is mandatory in South Australia. However, you only need to have the most basic policy - Compulsory Third Party (CTP) insurance. This is to cover you for medical costs and compensation if you get in an accident and injure someone else.
While this may be fine for some - for instance, if you are barely out on the road - motorcycling is more dangerous than driving a car so you probably want to think about a more comprehensive insurance option.
If your motorcycle has been modified with custom parts or has had its upkeep neglected, you might be barred from standard cover. On top of this, there are sets of general exclusions that apply in SA, including no cover if:
Finally, motorcycle insurers in the SA attract stamp duty at a rate of 11% of the insurance premium. While it's usually up to the insurer to pay this duty, sometimes the additional cost is passed on to you.
If you are still not convinced you need motorcycle insurance, consider the ways in which insurance can be a lifesaver. Whether you're winding your way through a Sunday crowd in the City of Churches or cruising along the Southern Ocean Drive, tragedy can strike in a hundred different ways, and it pays to be prepared:
Picture: GettyImages
Discover exactly what you need to know about leaving Australia.
We talk you through how to get home office insurance.
Whether you’re looking back on the games of your youth or picking up retro game collecting as a hobby, here’s the best retro games consoles in Australia.
How home insurance can cover you for food spoilage and save you hundreds on wasted food.Â
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
Here are the top Fitbit devices you can get your hands on here in Australia.
Curious to know what happens if you commit insurance fraud on a home insurance claim? Here's what we know, and why you probably shouldn't do it.
Knowing the difference between fixtures and fittings can help you decide which home insurance policy is right for you.
Thinking about buying a BMW X7? See average car insurance costs and find out about prestige car insurance
Protect your home from the costs of malicious damage with home insurance. Compare policies in just minutes and get peace of mind.