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Third Party Motorcycle Insurance

Cover if you cause unintentional collision damage to another person’s vehicle or property

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What’s Third Party Motorcycle Insurance?

RACV Third Party Motorcycle Insurance offers a basic level of protection where you’re covered for collision damage you unintentionally cause to another person’s vehicle or property, such as colliding with another vehicle or hitting someone’s fence.

Key benefit

Limited cover for damage up to $5000 when your motorbike is damaged in a collision where an uninsured driver is at fault and you can provide their name and address.

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 RACV Third Party Motorcycle Insurance cover?

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

Liability cover up to $20 million

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

One tow

From an incident to a safe place or repairer.

Up to $5000 in limited cover

For damage to your vehicle if you’re not at fault in the collision, the other driver is uninsured and you can provide their details.

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 Third Party Motorcycle Insurance. For more information, such as conditions, limits and exclusions, read the Product Disclosure Statement.

Cover for repairs to your motorcycle where you are at fault in the collision.

Cover for windscreen or glass damage as a result of an incident.

Financial protection if your motorcycle is stolen or is damaged as a result of an attempted theft.

New replacement motorcycle if RACV Insurance considers your vehicle to be a total loss.

Hire car after an incident, theft or attempted theft.

For more information on General Exclusions and items not included in your cover, refer to 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

There is no need to list additional drivers or riders on your RACV Motorcycle Insurance policy, unless the additional driver or rider is under the age of 25. Age excess applies to any drivers or riders under the age of 25 in addition to any basic excess, however the amount of age excess significantly increases if the additional driver or rider is not named on your policy.

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, protective gear is not covered with RACV Third Party Motorcycle Insurance. If you’re looking for this level of protection, you might like to look at RACV Comprehensive Motorcycle Insurance, which provides cover for up to $2000 in total to repair or replace damaged protective gear.

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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.