AAMI Motorcycle Third Party Property Damage Insurance Policy

What we cover

The protection we provide

Your AAMI third party property damage motorcycle insurance covers:

Damage to someone else's property caused by the use of your bike

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 during the period of cover. 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.

Damage to your bike caused by an uninsured motorist

The amount covered for the uninsured motorist extension is the current market value of your bike up to $3,000.

We will pay up to the amount covered for accidental loss or damage to your bike caused by an uninsured motorist during the period of cover, provided:

we accept you would be legally entitled to recover more than fifty percent of the cost of repairs to your bike from the driver or owner of the other vehicle,

you have satisfied us that the driver or owner of the other vehicle is not insured against that cost, and

you can give us 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.

Provided the amount covered is not exceeded, we will pay the reasonable cost of transporting your bike to the nearest repairer or place of safety if it cannot be safely ridden. The amount we will pay to transport your bike will depend on where the accident takes place and what transport options are available.

We will decide to repair your bike, pay the cost of repairing it, or declare it a write-off and pay the amount covered. Click here for more information.

Damage to your bike caused by fire and theft - an additional premium is payable

We cover damage to your bike caused by fire or theft when you have extended your policy to cover those events. An additional premium is payable.

If your bike has been stolen and it is not found within 14 days of you advising us of its theft, we will declare it a write-off and pay the amount covered. Click here for more information.