• 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.

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.

Ride with confidence knowing you’re covered with RACV Comprehensive Motorcycle Insurance.

Ways to save with RACV

Useful links

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

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.

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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 Motorcycle 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.