What motorcycle insurance options are available in South Australia?
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
Yes
Yes
Yes
Damage to your own motorcycle when involved in a no-fault accident with uninsured motorist
Yes
Yes
Yes
Damage to your motorcycle by fire and theft
Yes
Yes
No
Damage to your motorcycle in an accident/collision
Yes
No
No
Damage to your motorcycle by vandalism, storm, hail, flood, earthquake
Yes
No
No
Best motorcycle insurance for South Australians
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.
What exclusions and additional costs are there in SA?
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:
Your bike was being used illegally, such as in street racing or burnouts
Your bike was being ridden by someone under the influence of alcohol or drugs
You ride your bike while unlicensed
Your bike was carrying more passengers than permitted by law
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.
Still unsure if you need motorcycle insurance?
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:
It protects you against essential risks. Fire, theft, collision, vandalism, third party liability and more – motorcycle insurance can come through in many circumstances beyond your direct control.
You can get cover for a wide range of motorcycles. From tiny road bikes to thundering two-wheeled gods of the road, there's a policy for you.
You can customise your level of cover. Only pay for what you use! If you only break out your bike for the occasional music festival or bush doof, you probably don't need as much cover as someone who hits traffic every day on the way to work.
It'll give you peace of mind. How well could your finances handle having to buy a whole new bike after some idiot plowed into it in the parking lot and scarpered? What would you do if someone stole it from right outside the coffee shop? It's not worth risking thousands of dollars and constant worry – insurance can save you both.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
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.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
