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This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) . It's dry, we know, but it's essential reading.
What AAMI Comprehensive Motorcycle Insurance Covers
If your motorcycle is
Our goal is always to get you back on the road as fast as we can - safely.
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.
If your motorcycle is not safe to ride, we tow it to one of our repair facilities.
You're also covered for reasonable costs of repair (up to $5,000), for damage to your motorcycle in a collision with a driver without insurance who is entirely at fault. You must give us the name and address of the at-fault driver and vehicle registration details.
Up to $1,000 for damaged apparel gear.
If your motorcycle is
We keep you on the road with a hire car until your motorcycle is returned undamaged or repaired, to a maximum of 21 day.
If your motorcycle's found, we tow it to one of our repair facilities for a check over.
We cover your and your pillion passenger’s riding apparel (that includes your jacket, boots, helmet, gloves and other motorcycle specific gear), if it's stolen by force from a secured compartment on your motorcycle, or damaged or stolen when your motorcycle is damaged or stolen in an incident covered by your policy, for up to a total of $1,000 for any one incident.
In addition to your riding apparel, we pay up to $500 for other items (e.g. clothing, electronic equipment and telecommunication devices) that are in a secured compartment in your motorcycle when your motorcycle has been stolen or damaged by fire in an incident covered by your policy. (Exceptions apply such as cash and tools.)
If your motorcycle’s not recovered after 14 days of us approving your claim, we pay you the amount covered shown on your certificate of insurance.
If your motorcycle is A
If your motorcycle can’t be repaired and is we pay you for a total loss we pay you the Amount Covered show on your certificate of insurance, less any deductions that apply.
If your motorcycle is less than 2 years old and you’re the first registered owner, we replace it with a new one.
Helping you get a better deal
Get a No Claim Bonus (NCB) discount off your premium as a reward for your good claims history! On each renewal, your discount will increase (until you reach the maximum level) if you haven’t made any claims that affect your NCB.
You can choose the amount you want to cover your motorcycle for, within a range we provide, so you’re in control of the cover you need.
Pay it in one go! You can save with us by choosing to pay your policy annually, since paying in monthly instalments costs a bit more.