Motorcycle insurance in Western Australia

Insuring your two-wheel ride in the Wildflower State.

In Western Australia the roads are more open than many other states, with great distances between cities. Get stranded out in the Pilbara and you will have a whole lot of trouble without the right cover.

This article will help you navigate some of the issues Australia's biggest state can sometimes throw at you and where you can find a policy that's right for you.

Ready to compare motorcycle insurance policies?

If you're ready to compare policies, take a look below at some of the cover options that are available to you.

Details Features
Comprehensive Motorcycle Insurance
Comprehensive Motorcycle Insurance
Youi's total package for protection against damage to motorcycle and other people's property.
  • Accidental and intentional damage cover
  • Legal liability cover up to $20 million
  • Storm and flood cover
  • Lock and key replacement
  • 24/7 roadside assistance
Get Quote More info
Third Party Fire & Theft Motorcycle Insurance
Third Party Fire & Theft Motorcycle Insurance
Protection against damage to others caused by your motorcycle with additional cover.
  • Fire, theft and earthquake damage cover
  • Legal liability cover up to $20 million
  • Lock and key replacement
Get Quote More info
Third Party Property Only Motorcycle Insurance
Third Party Property Only Motorcycle Insurance
Protection against the cost of damage your motorcycle causes to third party property.
  • Legal liability cover up to $20 million
  • Immediate replacement motorcycle
  • Maritime liability cover up to $10,000
Get Quote More info

Compare other motorcycle insurance policies

Provider Pay Monthly at no extra Cost? Roadside Assistance New Motorcycle Replacement Accidental Damage Helmet & Riding Gear Hire Car Discounts?
Youi Logo Image: Supplied
  • No
  • Yes
  • Yes
  • Yes
$500 Optional No
AAMI logo Image: Supplied
  • No
  • No
  • Yes
  • Yes
$1,000 Reasonable costs (Max 21 days) Get a quote online and save up to $25
QBE Logo Image: Supplied
  • Yes
  • No
  • Yes
  • Yes
$4,000 Up to $1500 (Max 14 days) No Claim Bonus discount
Picture not described: swann.png Image: Supplied
  • Yes
  • Optional
  • Yes
  • Yes
Optional Up to $100 per day (Max 15 days)

Up to 10% Multi-bike discount

Suncorp Logo Image: Supplied
  • No
  • No
  • Yes
  • Yes
$1,000 Reasonable costs (Max 21 days) No

motorbike-sunset

Do I really need motorcycle insurance?

Yes, by law you need to have Compulsory Third Party (CTP) insurance. This is included in the price of registration in WA. So at the very least you will have coverage for damage you may cause to other people and things, even though CTP doesn't cover you personally.

With the kinds of roads you find in Western Australia, the chance of hitting wildlife such as kangaroos can be quite high. Insurance gives you peace of mind, knowing that if something goes wrong you're covered. That's why, much like the rest of Australia, you should consider getting yourself Comprehensive, Fire and Theft, or Third Party Property Damage insurance. Each policy generally covers the following:

Comprehensive Fire and Theft Third Party Property Damage
Damage to other property
  • Yes
  • Yes
  • Yes
Damage to your bike if it's your fault
  • Yes
  • No
  • No
Replacement if your bike is stolen
  • Yes
  • Yes
  • No
Damage caused by storms and flood
  • Yes
  • No
  • No
Damage caused by fire
  • Yes
  • Yes
  • No
Damage to protective clothing
  • Yes
  • No
  • No

What affects the cost of your premiums?

While factors such as age, experience, driving history and the type of bike you own have an impact on premiums, it is possible to find policies with cheaper premiums with similar cover in WA than in Victoria or NSW. That's because in Victoria and New South Wales there are more people on the roads, so statistically there is a higher chance of an accident and as a result the premiums are high. In Western Australia with fewer drivers, the premiums tend to be a little lower.

What to consider when looking for cover in WA

Although your premiums are likely to be less than in other more populated states, you need to consider other factors in Western Australia that you wouldn't have to elsewhere, namely the long distances between civilisation. This could add expenses if you don't get cover for the following:

  • Cover for roadside assistance for when you're broken down a long way from Kalgoorlie.
  • The cost of hiring a car to get you back to civilisation.
  • Extended miles for towage.

Best motorcycle insurance in Western Australia

While there is no catch-all best policy, there are a few benefits to living in WA when it comes to insuring your motorcycle. Consider the following when searching for a policy:

  • Local market insurers: The distances people drive and the emptiness of the deserts mean that often local market insurers are better equipped to give advice because of their local knowledge of the driving conditions. They can often add a personalised touch when compared to the bigger brands who quote all over the country. If you shop locally, it may cost you less to insure your ride in Western Australia.
  • Where you store your bike: Western Australia, especially in Perth, has one of the highest motorcycle theft rates in the country, according to the National Motor Vehicle Theft Reduction Council (NMVTRC). If you store your bike in a secure garage every night, it may help lower your premiums.
  • Consider a smaller engine and less expensive bike: Your premiums will be even lower if you don't have an expensive bike. Not only is an expensive bike more likely to be stolen, it is usually faster, which will put your premiums up.

Are there any exclusions and additional costs I should be aware of in Western Australia?

There are some special conditions about insurance in the west. In states such as Victoria and New South Wales there are more people on the roads, so statistically there is a higher chance of an accident and as a result the premiums are high. In Western Australia with fewer drivers the premiums are a little lower.

The distances people drive and the emptiness of the deserts mean the local market insurers are better equipped to give advice, because of their local knowledge of the driving conditions. They can often add a personalised touch compared with the bigger brands who quote all over the country. The good news is that, especially if you shop locally, it may cost you less to insure your ride in Western Australia.
Picture: Shutterstock


Get the latest car insurance news

While you are here, you may also be interested in…

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site