• 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. Even if you have an old classic you want to ensure, there’s a policy for that too.

Discover RACV Motorcycle Insurance products

Not sure what cover to choose?

At 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.

Take a look at the comparison table below to determine what type of insurance is best for you.

Motorcycle Insurance comparison

Summary of Cover

Summary of Cover

Comprehensive Motorcycle Insurance

Third Party Motorcycle Insurance

Cover for unintentional collision damage to your vehicle
Cover for fire, theft, flood, storm or a malicious act
Towing
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

Optional

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.

Download accident checklist PDF

Frequently asked questions

Can I insure a motorcycle without a license?

You don’t necessarily need to have a motorcycle license 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.

Useful links

Policy documents

RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 29 June 2019.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for policies with a start date on or after 15 October 2017 and renewal policies with a start date on or after 27 November 2017 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 29 June 2019.

Download

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Motor Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Motor Insurance Aussie Assist Benefits Guides

RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 28 September 2008 or renewal policies with a start date on or after 10 November 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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Complete Care® Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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Complete Care® Motor Insurance for new business policies and renewal policies with a start date on or after 7 December 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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* RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.

** On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.