NRMA comprehensive cover includes emergency repairs, transport and accommodation.
Cover is available for vintage motorbikes but not for off-road models.
NRMA comprehensive premiums are often higher than some competitors for similar coverage.
Our verdict
Pros
Emergency repairs, transport and accommodation included in comprehensive cover cover for protective gear
Specific cover available for vintage and classic motorbikes
Cons
No cover option for off-road motorbikes
There's no third party fire or theft option for motorbikes
No cover for personal items other than protective gear
Compare NRMA motorcycle insurance policies
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How we picked these
How does NRMA compare to other popular motorcycle insurers?
Price
Our insurance experts collected quotes from a range of popular motorcycle insurers using one motorcycle profile (full profile details below). The following quotes are based on 30 year old male driver who has held a license for 5 years living in Sydney. An excess of $500 was used where possible with no policy discounts, memberships or add-ons.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
*Quotes were sourced on the following profile:
30 years old, 5+ years licensed
Male
No finance
Private use of motorcycle
Adjusted excess to $500 where possible
Motorcycle is parked in a locked garage
Exclude drivers under 25
No additional driver
Start date of policy 31 March 2026
No discounts, no memberships, no add-ons
Drives 4,000–8,000km per year
Located in Sydney NSW, 2011
2022 Yamaha MT-09A MY22 Sports
Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of motorcycle you drive, the colour of the motorcycle, how long you have been driving and the amount of cover you need. Be sure to read the PDS to find cover that suits you.
What additional cover options are available?
Hire car - Get a hire car if your motorbike is out of action due to an insured event.
Windscreen cover - Make a claim for a damaged windscreen without paying any excess
Choice of repairer - Pick your own mechanic, as long as they have the necessary equipment, skills, capabilities, licences and authorisations to complete the repairs.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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VIC riders have plenty of motorcycle insurance options to fit their riding style and to protect them from theft, property damage, natural disasters and more.
GIO Motorcycle Insurance is backed by a 24/7 claims service and provides three cover options: Comprehensive Motorcycle Insurance; Fire, Theft and Third Party Property Damage Motorcycle Insurance; and Third Party Property Damage Motorcycle Insurance.
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