Motorcyclist driving on Omeo Highway, Mount Wills

Comprehensive Motorcycle Insurance

Enjoy the ride with full cover for your motorcycle

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What’s Comprehensive Motorcycle Insurance?

With RACV Comprehensive Motorcycle Insurance you’re covered for collision damage to your motorbike and unintentional collision damage to other people’s property, plus a range of other events including fire, theft and vandalism. Cover also includes up to $2000 to repair or replace damaged protective gear, like a helmet or jacket.

Key benefit

Up to $2000 in total to repair or replace damaged protective gear specifically designed for you or your passenger’s safety while riding your motorcycle, like a helmet or jacket.

More than just great cover

24/7 claims help

No claim or query is too difficult. Local consultants are always here to help. 

Pay annually or monthly

Save on the price of your premium when you pay annually.

Loyalty discount

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*

Multi-policy discounts

Take out two or more eligible policies and save up to 10% on each – including home and motor insurance.*

What does Comprehensive Motorcycle Insurance cover?

With an RACV Comprehensive Motorcycle Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:

Loss or damage to your vehicle

Caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.

Up to $2000 in total to repair or replace damaged protective gear

Specifically designed for you or your passenger’s safety while riding your motorcycle, like a helmet or jacket.

Hire car if your motorbike is stolen

For up to $60 a day, for a maximum of 21 days.

New replacement vehicle

If RACV Insurance considers your vehicle to be a total loss and agrees to pay your claim. Conditions apply.

Cover for windscreen damage

As a result of an incident.

Choice of repairer

To fix your motorbike after a listed incident.

Liability cover up to $20 million

For unintentional collision damage to someone else’s vehicle or property.

Any licenced rider will be covered

When they ride your motorbike, without you needing to list them on your policy. Additional excess may apply to inexperienced riders or riders under 25.

This is only a summary of the inclusions for RACV Comprehensive Insurance. For more information, such as conditions, limits and exclusions, read the Product Disclosure Statement.

Hire car or vehicle after a not-at-fault collision unless added as an optional extra.

General wear and tear and non-emergency repairs.

Loss or damage that occurs outside of Australia.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Hire car regardless of who is at fault

By adding this extra, you’ll be covered for a hire car after a collision, no matter who is at fault. Plus, RACV Insurance will arrange for a specific car to meet your needs rather than any car that is available.

Windscreen cover with no excess

If you add this option, you won’t need to pay any excess when only your vehicle’s windscreen, sunroof or window glass is damaged as a result of an incident.

For associated conditions, see the Product Disclosure Statement.

Compare motorcycle insurance options

Comprehensive Motorcycle Insurance

Third Party Motorcycle Insurance

This is only a summary of some inclusions for RACV Motorcycle Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions.

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by callling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

Yes. With Comprehensive Insurance, you’re covered for up to $2000 in total to repair or replace protective clothing if it is damaged as a result of a listed event. The most you can claim for an individual item is $1000.

Protective gear is clothing specifically designed to keep you safe in the event of a road accident. This includes:

  • helmet
  • jacket
  • trousers
  • boots
  • gloves

Because young riders and drivers are statistically more likely to be involved in an accident than more experienced drivers, people aged 25 and under generally have a higher insurance premium.

No, you don’t necessarily need to have a motorcycle licence to insure a motorcycle. However, every situation and circumstance is different. To better understand your suitability for RACV Comprehensive Motorcycle Insurance, call our friendly team for a chat on 13 72 28.

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Tips and advice for your motorcycle

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.