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 also provides this, plus things like:up to $2,000 in total to repair or replace damaged protective gear specifically designed for you or your passenger’s safety while riding your motorcyclethe choice to insure your motorcycle for agreed or market valueoptional cover for windscreen damage as a result of an incident (at an added cost).For a full list of inclusions and exclusions, see the RACV Motor Insurance Product Disclosure Statement.

Motorcycle & Motorbike Insurance Victoria quotes

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Cover for daily rides or weekend cruising

Choose from a policy that just covers unintentional damage to other people’s property and vehicles, or one with more inclusions. This includes collision damage to your own motorcycle, theft, fire or storm damage, vandalism, towing, hire car options - and much more.

Every RACV Motorcyle Insurance policy comes with:

up to $20 million in liability cover – protection if your vehicle causes an accident and a claim is made against you for loss or damage to someone else’s property
your choice of qualified repairer if you need to make a claim
automatic cover for vehicle modifications, options and accessories attached to the motorcycle.

Manage your policy 24/7

Check and update your policy and payment details anywhere, anytime in the RACV App or online.

Choose the right cover for you and your ride

Comprehensive

This covers you for collision damage to your motorcycle, plus unintentional damage to other people’s property and vehicles - no matter who’s at fault.

Call 13 72 28 for a quote

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Third Party

Basic cover if you cause unintentional collision damage to other people’s property and vehicles.

Call 13 72 28 for a quote

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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.*

Make a claim or manage your policy

Make or manage a claim

You can make a claim 24/7 in the app or online, or during business hours by phone.

Find a policy document

You can view policy documents, or update your personal details and payment methods online.

Frequently asked questions

You don’t necessarily need to have a motorcycle licence to insure a motorcycle. However, every situation and circumstance is different.

To see if you can insure your motorcycle, call us on 13 72 28.

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

Comprehensive Insurance also provides this, plus things like:

up to $2,000 in total to repair or replace damaged protective gear specifically designed for you or your passenger’s safety while riding your motorcycle
the choice to insure your motorcycle for agreed or market value
optional cover for windscreen damage as a result of an incident (at an added cost).

For a full list of inclusions and exclusions, see the RACV Motor Insurance Product Disclosure Statement.

We can also help you with...

Emergency Roadside Assistance

From flat tyres and empty petrol tanks to lock-outs and flat batteries, we’re here to help. Get 24/7 assistance for roadside breakdowns.

Find out more

Car insurance

Whether you’re looking for basic cover or something more, there’s a policy to help suit your needs. And remember, the more RACV Insurance policies you have, the more you save.

Find out more

Caravan & Trailer Insurance

Whether you’re always on the road or your caravan is located permanently in one spot, there’s a policy to help suit your needs.

Find out more

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 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. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.}