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Motorcycle Insurance FAQs

You’ll find many answers to the most common questions about AAMI’s motorcycle insurance policies here. If you can’t find what you’re looking for or have a specific question regarding your own policy, please contact us.

This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.

Modifications and accessories

Modifications are alterations made to your vehicle that change its original manufacturer's standard construction or performance - such as modified suspension.

Accessories are things that are added to your vehicle for convenience or attractiveness - such as tinted windows in a car - that don't change its original manufacturer's standard construction or performance.

AAMI car and motorcycle policies automatically include cover for modifications and accessories up to the amount your vehicle's covered for, with the exception of:

  • Custom or Specialised Paint (after market)
  • Nitro or Hydrogen Fuel
  • Petrol Turbo or Supercharger (fitted after market)
  • Roll Bar / Roll Cage / Racing Harness

Covers you for your motorcycle and other people's vehicles + property.


Covers you for other people's vehicles + property.

Got a question?

Ask the AAMI Virtual Assistant