Third Party Motorcycle Insurance

Cover if you cause unintentional collision damage to another person’s vehicle or property.

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What is Third Party Motorcycle Insurance?

RACV Third Party Motorcycle Insurance offers a basic level of protection where you’re covered for collision damage you unintentionally cause to another person’s vehicle or property, such as colliding with another vehicle or hitting someone’s fence.

Key inclusion:

Limited cover for damage up to $5000 when your motorbike is damaged in a collision where an uninsured driver is at fault and you can provide their name and address.

Why choose RACV Motorcycle Insurance

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.†

What does RACV Third Party Motorcycle Insurance cover?

With an RACV Third Party Motorcycle Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included: 

  • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property. 
  • Up to $5000 in limited cover for damage to your vehicle if you’re not at fault in the collision, the other driver is uninsured and you can provide their details. 
  • One tow from an incident to a safe place or repairer. 
  • 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.

This is only a summary of the inclusions for Third Party Motorcycle Insurance. For more information, such as conditions, limits and exclusions, read the Product Disclosure Statement.

  • Cover for repairs to your motorcycle where you are at fault in the collision. 
  • Financial protection if your motorcycle is stolen or is damaged as a result of an attempted theft.  
  • Hire car after an incident, theft or attempted theft. 
  • Cover for windscreen or glass damage as a result of an incident. 
  • New replacement motorcycle if RACV Insurance considers your vehicle to be a total loss. 

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

Insurance claims and documents

Frequently asked questions

More than one person rides my motorcycle. Should they be listed on my policy?

There is no need to list additional drivers or riders on your RACV Motorcycle Insurance policy, unless the additional driver or rider is under the age of 25. Age excess applies to any drivers or riders under the age of 25 in addition to any basic excess, however the amount of age excess significantly increases if the additional driver or rider is not named on your policy.

Other RACV Motorcycle Insurance products

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† 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.