| If your motorcycle was being used in connection with it being serviced or repaired. |
YES |
| If your motorcycle was being used for free riding tuition. |
NO |
| If your motorcycle was being demonstrated for private sale. |
YES |
| If the rider of your motorcycle was not licensed or authorised to ride it. |
NO |
| But your motorcycle was being ridden without your consent. |
YES |
| If the rider of your motorcycle was under the influence of intoxicating liquor or of a drug or whose blood alcohol level was in excess of the legal limit in force where your motorcycle was being ridden or who refused or failed to submit a specimen for testing as required by law where your motorcycle was being ridden. |
NO |
| But your motorcycle was being ridden without your consent. |
YES |
| If your motorcycle was in an unroadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you. |
NO |
| If your motorcycle was carrying more passengers or loaded above the legal limit or loaded in an illegal way. |
NO |
| If your motorcycle was being used or tested in or for a race, trial, test or contest. |
NO |
| If your motorcycle was being used on a competition circuit, course or arena. |
NO |
| If your motorcycle was being used for hire or reward. |
NO |
| If during your full-time, part-time or casual working period, you normally use your motorcycle as an integral means of earning your income. |
NO |
| If your motorcycle was outside Australia. |
NO |
| If your motorcycle was converted, altered or modified from its maker’s specifications. |
NO |
| But we have provided you with written agreement to the modification. |
YES |
| For the non-standard accessories you have fitted to your motorcycle. |
NO |
| But you have told us and we have agreed in writing to cover these accessories. |
YES |