What we do
What we do if someone else’s property is damaged by the use of your motorcycle
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 motorcycle during the period of cover. The use of a sidecar or trailer attached to your motorcycle is also covered.
We will pay up to a total of $ 0,000,000 for all claims arising from the one event.
Any person using your motorcycle 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 motorcycle in the course of your employment or agency and the use of your motorcycle is private use.
We do not pay for loss or damage to property owned by you or any person ordinarily living with you.
Legal costs and representation
For details regarding legal costs and representation, please see page 29.
What we do when your motorcycle is damaged in an accident caused by an uninsured motorist
When your motorcycle is damaged, for your peace of mind, we choose the repairer and arrange the repair for you
If your motorcycle has been damaged and can be repaired, our responsibility to you when we authorise repairs is to ensure that the repair work is properly carried out.
For your peace of mind, we choose the repairer and arrange the repair for you.
We ordinarily obtain two independent, competitive quotes, from repairers recommended by AAMI. If you want, you can choose a repairer to provide one of the quotes. Our assessor will review the quotes, including any quote from a repairer you choose, and what is necessary to properly repair your motorcycle. We will choose the repairer who has submitted the more competitive and complete quote and that will be the repairer who repairs your motorcycle.
We have your motorcycle repaired, keeping you informed all the way along.
When the repair is complete, we advise you that your motorcycle is ready for collection.
If your motorcycle can be safely ridden
All you do is ride your motorcycle to your nearest AAMI Customer Service Centre and leave it with us. We pay for your taxi home or back to work.
In areas not covered by an AAMI Customer Service Centre, we arrange the repair of your motorcycle in consultation with you.
If your motorcycle cannot be safely ridden
We transport your motorcycle to the AAMI Customer Service Centre nearest to you, providing our payment of the reasonable cost of doing so does not exceed the amount covered. Your motorcycle and personal possessions are protected under cover there.
In areas not covered by an AAMI Customer Service Centre, we arrange the repair of your motorcycle in consultation with you.
Inspecting and repairing your motorcycle
You must make your motorcycle available to us if we decide to inspect or repair it. If requested by us, you must take your motorcycle or allow it to be transported to a place nominated by us.
You must not authorise the repair of your motorcycle without our written authority.
Your contribution to repair work
If the repair of your motorcyle leaves it in a better condition than before it was
damaged, we may ask you to contribute to the repair cost.
The AAMI Lifetime Repair Guarantee
The quality of the workmanship, any sublet repairs and the materials authorised by AAMI in the repair of your motorcycle will be guaranteed for the life of the motorcycle.
If you are concerned about the quality of the repair of your motorcycle, you must call us on 13 22 44 and you must make your motorcycle available to us. We will inspect the repair and arrange any necessary rectification work. You must not authorise rectification work without our written authority.
Where replacement parts are required for the repair of your motorcycle…
and your motorcycle is within its manufacturer’s standard new motorcycle warranty period
New OEM (original equipment manufacture) 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.
and your motorcycle is outside its manufacturer’s standard new motorcycle warranty period
New and/or reconditioned OEM (original equipment manufacture) 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 OEM suppliers may be used in the repair of components such as radiators.
What we do if your motorcycle cannot be repaired
Sometimes motorcycles are so badly damaged that they would not be either safe or economical to repair.
If in our opinion, the damage to your motorcycle is so great that it would not be safe or economical to repair, we will declare your motorcycle 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 motorcycle unless you wish to keep it. ‘Your motorcycle’ includes all insured options and accessories and unless legislation in your state provides otherwise, the value of any unexpired portion of the registration,
if you wish to retain your motorcycle in its damaged condition, its salvage value will be deducted from our payment.
When we agree to make a write-off payment, we will post a cheque for the agreed
amount or deposit it directly into your nominated bank account.
What happens when you want to keep your motorcycle insured after we have paid you the cost of repairing it
If we have paid you the cost of repairing your motorcycle (other than by making a write-off payment) and you want the cover this policy provides to remain unchanged, you must have your motorcycle properly repaired and present it to us in a safe and roadworthy condition for our inspection. If we agree that your motorcycle has been properly repaired and is in a safe and roadworthy condition, the cover this policy provides will remain unchanged until the end of the period of cover. If you fail to obtain our agreement, we may deny or reduce any claim you make after we have paid you the cost of repairing your motorcycle.
Admission of liability
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, the rider of your motorcycle.
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,
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.
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. This includes promptly
telling us if you become aware of any demands, court proceedings or offers of settlement.
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.