• Heading out on two wheels?

    Whether you use your motorcycle daily or just for weekend cruising, it pays to have protection. Depending on the RACV Insurance policy you choose, you can cover your motorcycle against unintentional collision damage or loss to other people’s property (including other vehicles), theft or attempted theft, fire or storm damage, vandalism and more. At a minimum, most RACV Motorcycle Insurance policies provide the following cover: 

    • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property when you’re at fault.
    • Legal representation up to $10,000 if your motorcycle is involved in an incident.
    • Automatic cover for vehicle modifications, options and accessories attached to the vehicle.
    • Emergency 24-hour assistance from Aussie Assist.

Customer care

Our Australian-based consultants are always here to help you.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Pay annually

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

Summary of Cover

Summary of Cover

Comprehensive Motorcycle Insurance

Most popular

Third Party Motorcycle Insurance

Cover for unintentional collision damage to your vehicle
Cover for fire, theft, flood, storm or a malicious act
Years of Membership benefits
Multi-policy discount
Hire car after a theft

Up to $60 per day for 21 days

Hire car after an incident

Optional - up to $60 per day for 14 days

Choose your own repairer
Cover for personal items
Next vehicle replacement within two years
Choice of agreed or market value
Replacement of keys, locks & barrels
Cover for windscreen and window glass


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.

Can I insure a motorcycle without a licence?

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.

What is the difference between Third Party and Comprehensive Motorcycle Insurance?

Third Party Insurance offers basic cover for personal liability and unintentional collision damage you cause to other people’s property and vehicles.

Comprehensive Insurance provides this plus:

  • 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
  • Optional cover for windscreen damage as a result of an incident (at an added cost)
  • and more.

For a comparative table and full list of inclusions and exclusions, refer to the RACV Motor Insurance Product Disclosure Statement.

† Comprehensive and Third Party policies only.

* 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 racv.com.au. 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 racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Insurance product(s) issued by Insurance Manufacturers of Australia 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.