AAMI Motorcycle Third Party Property Damage Insurance Policy
What to do and what happens when:
What to do and what happens when
The use of your bike causes damage to someone else's property (legal liability)
Phone AAMI (as soon as possible) on 13 22 44.
We cover your legal liability for any loss or damage to other people's property and loss or damage consequent upon damage to other people's property resulting from the use of your bike. The use of a sidecar or trailer attached to your bike is also covered.
We will pay up to a total of $20,000,000 for all claims arising from the one event.
Any person who uses your bike with your permission and who complies with the terms and conditions of this policy is covered.
Your employer or principal is covered if you are riding your bike in the course of your employment or agency, and the use of your bike is private use or you are covered under this policy for business use.
We do not pay for loss or damage to property owned by you or any person ordinarily living with you.
Your bike has been damaged in an accident caused by:
an uninsured motorist, or
fire or theft and you have extended your policy to cover fire and theft
Phone AAMI (as soon as possible) on 13 22 44.
AAMI chooses the repairer and arranges the repair
For your peace of mind, our claims service looks after all the arrangements for the proper repair of your bike.
If your bike can be safely ridden
We arrange a time with you to bring your bike to the AAMI Customer Service Centre most convenient to you. All you do is leave it there. We pay for your taxi home or back to work.
If your bike cannot be safely ridden
We transport your bike to either the AAMI Customer Service Centre most convenient to you or an AAMI approved holding yard.
The repair
We choose the repairer and arrange the repair for you. To do this, we ordinarily obtain two independent, competitive quotations from repairers we recommend. If you want, you can choose a repairer to provide one of the quotes.
Once our assessor has reviewed the quotations and what is necessary to properly repair your bike, we select the repairer:
who submitted the more competitive and complete quote, and
this is the repairer who then repairs your bike.
We keep you informed of the progress of the repair and advise you when your bike is ready for collection.
In areas not covered by an AAMI Customer Service Centre, we arrange the repair of your bike in consultation with you.
The repair is covered by AAMI's Lifetime Repair Guarantee. More information on the AAMI Lifetime Repair Guarantee can be found further down this page.
Your bike has been stolen and you have extended your policy to cover fire and theft
Report the theft immediately to the Police and to AAMI (13 22 44).
We allow 14 days for your bike to be found from when you reported its theft to us.
So you are inconvenienced as little as possible, we can provide you with a hire car for up to 21 days. Click here for more information.
If your bike is found damaged within the 14 days from when you reported its theft to us and it:
can be repaired, we will arrange the repair. For more information on this, read 'The repair', further up this page.
cannot be repaired, more information on this can be found further down this page.
If it is not found within the 14 days, and we are satisfied your claim is in order, we declare your bike a write-off and pay the agreed value. More information on this can be found further down this page
Further information about repairing your bike
Inspecting and repairing your bike
You must make your bike available to us if we decide to inspect or repair it. If requested by us, you must take your bike or allow it to be taken to a place nominated by us.
You must not authorise the repair of your bike without our written authority.
Your contribution to repair work
If the repair of your bike leaves it in a better condition than before it was damaged, we may ask you to contribute to the repair cost. If we ask you to contribute we will always explain why, tell you how much it will be and how to pay it.
Where replacement parts are required for the repair of your bike and:
your bike is within its manufacturer's standard new bike warranty period
New genuine parts will be used except for the replacement of windscreens and window glass for which Australian manufactured, Australian Design Rule compliant parts may be used.
your bike is outside its manufacturer's standard new bike warranty period
New and/or recycled genuine parts will be used except for the replacement of windscreens and window glass for which Australian manufactured, Australian Design Rule compliant parts may be used.
Parts produced by genuine parts suppliers may be used in the repair of components such as radiators.
parts for your bike are no longer available
Where replacement parts are required for the repair of your bike and they are no longer available, we may pay you what it would have cost us to repair your bike with those parts had they been available.
The AAMI Lifetime Repair Guarantee
The quality of the workmanship and the materials authorised by AAMI in the repair of your bike will be guaranteed for its life. The parts used in the repair of your bike will be of the same type as those explained on this page.
If you are concerned about the quality of the repair of your bike, you must call us on 13 22 44 and you must make your bike available to us. You must not authorise rectification work without our written authority.
We will inspect the repair and arrange any necessary rectification work.
If your bike cannot be repaired
Sometimes bikes are so badly damaged that they would not be either safe or economical to repair.
If in our opinion, the damage to your bike is so great that it would not be safe or economical to repair, we will declare your bike a write-off and pay the amount covered.
What happens when we make a 'write-off' payment
When we make a write-off payment, we pay the amount covered and your policy comes to an end. Because our payment meets all our obligations to you in full:
there is no refund of any portion of the premium. We retain your bike unless you wish to keep it. 'Your bike' includes all insured options, accessories and modifications, and unless the law where you live provides otherwise, the value of any unexpired portion of your bike's registration and Compulsory Third Party (CTP) insurance,
if you wish to retain your bike in its damaged condition, its salvage value will be deducted from our payment,
you will first need to pay us the total unpaid balance of your premium, including any additional premium owning. If we make a write-off payment, we will deduct this amount from the payment we make.
If someone else has a financial interest in your bike, we will pay them what they are entitled to and pay you any balance.
When we agree to make a write-off payment, we will post you a cheque for the agreed amount or deposit it directly into your nominated bank account.
When you claim on your policy, your responsibilities include
Obtaining our written consent
You must not make any admissions or settle any claims without our prior written consent.
Giving assistance - information, notices, negotiating, defending and settling claims
In this section 'you' means you and, if you were not riding your bike, the rider of your bike.
You must give us the information and assistance we reasonably request in evaluating the cause, extent and value of any claim. This may include:
providing us with full details of the claim in writing, including the name(s) and address(es) of the driver(s) of and registration number(s) of any vehicle(s) involved in the accident or event,
providing contracts of sale, receipts or other evidence of ownership,
providing written statements,
providing other relevant documents,
undergoing an interview or interviews about the circumstances of the claim,
appearing in court and giving evidence.
The information you give must be honest, correct and complete.
You must assist us to recover any part of the claim from the person responsible for the accident or event which results in a claim.
You must promptly deliver to us any relevant letters and notices that come into your possession. This includes promptly telling us if you become aware of any demands, court proceedings or offers of settlement.
We shall be entitled, but not obliged, to defend or represent you in any legal proceedings relating to an accident or event which may give rise to a claim against us and to control, settle and deal with those proceedings as we see fit.
We will pay the legal and other reasonable related costs of defending any claim made against you, provided we appoint the solicitors who will defend the claim and we have told you in writing that we will pay their costs.
You must assist us in all our endeavours to negotiate, defend or settle any claim made under this policy and to exercise for our benefit your legal right of recovery against any other party.
If you fail to assist us, or do not abide by any of these terms, we may reduce or refuse to pay your claim or be entitled to recover from you any monies paid under the claim.
Would you like more information about how we pay claims?
For more information about how we pay bike claims under this policy, including examples of different claim types and payments, you can read our AAMI Third Party Property Damage Motorcycle Insurance - Premium, Excesses & Claims Guide. It is available on our website at aami.com.au (under the Motorcycle Insurance section) or call us on 13 22 44 if you would like us to post you a free copy.