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Comprehensive Motorcycle Insurance

Covers you for damage to your motorcycle as well as to other people's vehicles and property. Includes two wheel-trailer and riding gear.

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What does Comprehensive Motorcycle Insurance cover?

Unlike Third Party Property Damage Motorcycle Insurance – which just offers cover for damage to other people’s vehicles and property – Comprehensive Insurance provides cover for other people’s property as well as loss or damage to your own motorcycle. Coverage includes two-wheel trailers and riding apparel, up to a limit of $1,000 each.

What's included in Comprehensive Motorcycle Insurance?

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Policy document downloads
Product Disclosure Statement (PDS)

  • Motorcycle theft and accidental damage

    We’ve got you covered for damage or loss caused by theft, attempted theft, collision, malicious damage and natural events such as hail, storm, flood or bushfire.

  • Damage to other people’s vehicles and property

    You’re also covered for damage to someone else’s vehicle or property, up to a limit of $20 million.

  • Protective clothing

    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.​

  • Help with emergency costs

    We can help with up to $500 for emergency travel and accommodation if your motorcycle is not safe to ride and you’re more than 100 km away from home. Plus, we can offer up to $500 for emergency repairs.

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.

AAMI Comprehensive Motorcycle Insurance

Frequently asked questions

What AAMI Comprehensive Motorcycle Insurance Covers

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If your motorcycle is A
Total loss

Helping you get a better deal

Smart ways to lower your premium

No Claim Bonus

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. 

Choose your 'Amount Covered'

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 annually

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.

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