What is 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 inclusion:

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.

Why choose RACV Motorcycle Insurance

Customer care

No claim or query is too hard to handle. Our Australian-based consultants are always here to help. 

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, Woolworths WISH gift cards, special prices on local travel, day trips and more.

Pay annually

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

Ride with confidence knowing you’re covered with RACV Comprehensive Motorcycle 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.
  • Hire car if your motorbike is stolen for up to $60 a day, for a maximum of 21 days.
  • Cover for windscreen damage as a result of an incident.
  • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property.
  • 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.
  • New replacement vehicle if RACV Insurance considers your vehicle to be a total loss and agrees to pay your claim. Conditions apply.
  • Choice of repairer to fix your motorbike after a listed incident.

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.
  • Loss or damage that occurs outside of Australia.
  • General wear and tear and non-emergency repairs.

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

For added peace of mind, you can enhance your cover with optional extras. If you do this, you’ll need to pay a little more on your premium.

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.

Insurance claims and documents

Frequently asked questions

Will my helmet and riding gear be covered if I have an accident?

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

Other RACV Motorcycle Insurance products

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* To qualify for the Multi-Policy Discount, members must hold two eligible RACV Insurance policies. Excludes Travel, Business, Farm and Single Item Insurance products. On existing policies, discount takes effect at next renewal.
† Comprehensive and Third Party policies only.

The information provided is general advice only, so before making any decisions please consider your own circumstances and the Product Disclosure Statement. For a copy, please call 13 RACV (13 72 28) or visit racv.com.au.
RACV Insurance policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039.
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