Third Party Motorcycle Insurance

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

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Frequently asked questions

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.

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.^†

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.

_{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.}

Need to make a claim?

If you’ve recently been involved in a road accident and need to make a claim, you can lodge one online or call 13 19 03.
- Claim online now
- How to make a claim
Review policy information

To retrieve a previous quote, you’ll need to enter your postcode and quote number.
- Retrieve a previous quote
- Find a policy document

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.

I’m under 25 years old. Will my insurance cover cost me extra?

Because young riders and drivers are statistically more likely to be involved in an accident than more experienced drivers, people aged 25 and under generally have a higher insurance premium.

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

No, protective gear is not covered with RACV Third Party Motorcycle Insurance. If you’re looking for this level of protection, you might like to look at RACV Comprehensive Motorcycle Insurance, which provides cover for up to $2000 in total to repair or replace damaged protective gear.

Road rules for motorcycle riders

From lane filtering and footpath parking to driving in transit lanes, learn about the Victorian Road Rules for riding a motorbike.
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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.

RACV Motor, Home, Landlord, Veteran, Vintage & Classic Vehicle, Caravan & Trailer, Motorcycle and Boat Insurance issued by Insurance Manufacturers of Australia Pty Ltd, 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.}