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Motorcycle Insurance

How do I choose Motorcycle Insurance?

Third Party insurance can help cover costs if you damage someone else’s vehicle or property while on your motorbike. Comprehensive insurance does the same, but can also cover your own motorbike against loss or damage. Compare features, get quotes for either or both, then choose coverage to suit your needs and budget.

Coverage applies to a wide range of scooters, mopeds, cruisers, sport bikes, touring bikes, naked bikes and dirt bikes.

Plus, all repairs authorised by AAMI are guaranteed for life of the motorcycle. Lucky you’re with AAMI!

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COMPREHENSIVE INSURANCE

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When you quote and buy online

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Amount Covered

How much your motorcycle’s insured for. ​

It’s the maximum amount we’ll pay for loss or damage to your motorcycle caused by an insured incident, less any deductions that may apply.​

The Amount Covered is shown on your certificate of insurance and includes GST.

Amount Covered

If your motorcycle is damaged by fire, we’ll cover the cost of repairs up to the Amount Covered shown on your certificate of insurance. If it’s a total loss, we’ll pay your Amount Covered (less any deductions).

Amount Covered

How much your motorcycle’s insured for. ​

It’s the maximum amount we’ll pay for loss or damage to your motorcycle caused by an insured incident, less any deductions that may apply.​

The Amount Covered is shown on your certificate of insurance and includes GST.

Total Loss

We consider your motorcycle a total loss when:

  • It’s stolen and unrecovered after 14 days; or
  • It’s uneconomical or unsafe to repair​

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

what's included?

  • Damage to other people's vehicle or property up to $20 million
  • Damage to your motorcycle up to your chosen amount covered 
  • Hail, storm and flood
  • Damage to your protective clothing up to $1000
  • Fire damage up to your chosen amount covered
  • Stolen or a total loss up to your chosen amount covered
  • A total loss if stolen and not recovered in 14 days 

Get more info

Policy document downloads

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THIRD PARTY PROPERTY DAMAGE

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When you quote and buy online

Get a quote

what's included

  • Damage to other people's vehicle or property up to $20 million

what's not included

  • Damage to your motorcycle
  • Hail, storm and flood

Option for Extra Cover

We’ll cover you for loss or damage to your protective clothing worn for motorcycle riding caused by fire and/or theft, for up to $1,000.​

Option for Extra Cover

If your motorcycle is damaged by fire, we'll cover you for up to the Amount Covered as shown on your certificate of insurance.​

Option for Extra Cover

If your motorcycle is stolen or a total loss, we'll cover for you for the Amount Covered as shown on your certificate of insurance, less any deductions that apply.

what's optional

  • Damage to your protective clothing up to $1000
  • Fire damage up to your chosen amount covered
  • Stolen or a total loss up to your chosen amount covered 

Get more info

Policy document downloads

Do motorcycles need insurance?

Accidents can happen to even the safest rider. Like your car, van or truck, motorcycles are capable of causing damage – or being damaged – when they’re out on the road. Third Party Motorcycle Insurance can help you cover costs you might be liable for, such as damage to other people’s property and other vehicles, after an insured event. Comprehensive Motorcycle Insurance does the same, plus it helps you cover the cost of repairing or replacing your own bike if required. Having the right insurance policy in place can help you hit the road with confidence.

We'll be there when you need us

Easy, paperless claims 24/7

Whether you lodge and track your claim over the phone or online, say goodbye to mountains of paperwork!

Fast and reliable repairs

Our goal is always to get you back on the road as fast as we can - safely.

Repairs guaranteed for life

We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.

AAMI Motorcycle Insurance

Frequently asked questions

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Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

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NSW Compulsory Third Party Insurance

Option for Extra Cover

We’ll cover you for loss or damage to your protective clothing worn for motorcycle riding caused by fire and/or theft, for up to $1,000.​

Option for Extra Cover

If your motorcycle is damaged by fire, we'll cover you for up to the Amount Covered as shown on your certificate of insurance.​

Option for Extra Cover

If your motorcycle is stolen or a total loss, we'll cover for you for the Amount Covered as shown on your certificate of insurance, less any deductions that apply.

Amount Covered

How much your motorcycle’s insured for. ​

It’s the maximum amount we’ll pay for loss or damage to your motorcycle caused by an insured incident, less any deductions that may apply.​

The Amount Covered is shown on your certificate of insurance and includes GST.

Amount Covered

If your motorcycle is damaged by fire, we’ll cover the cost of repairs up to the Amount Covered shown on your certificate of insurance. If it’s a total loss, we’ll pay your Amount Covered (less any deductions).

Total Loss

We consider your motorcycle a total loss when:

  • It’s stolen and unrecovered after 14 days; or
  • It’s uneconomical or unsafe to repair​

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

New motorcycle if less than 2 years old

If your motorcycle is a total loss, we’ll cover the cost to replace it with a new motorcycle that’s the same or similar make and model if:

  • Your motorcylcle is less than 2 years old
  • You’re the first registered owner

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