We've got you well covered
Motorcycle theft and accidental damage
Rest easy, 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 – plus your two-wheel trailer, up to $1,000.
Damage to other people’s vehicles and property
You’re also covered for damage to someone else’s vehicle or property up to $20 million.
We cover up to $1,000 for your riding gear (such as jacket, boots, trousers and helmet) if it's stolen from a secured compartment in the bike, or damaged when your bike is damaged.
Help with emergency costs
Up to $500 towards emergency travel and accommodation if your motorcycle's not safe to ride and you're more than 100 km away from home. Plus up to $500 for emergency repairs to get you home or to a repairer.
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.
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’s not safe to ride, we tow it to one of our repair facilities.
Yes, you’re covered even if the damage is caused by an uninsured driver and it’s their fault.
Up to $1,000 for damaged riding gear.
If your motorcycle is
We keep you on the road with a hire car until your bike's returned undamaged or repaired, to a maximum of 21 days.
If your motorcycle's found, we tow it to one of our repair facilities for a check over.
Up to $1,000 for riding gear stolen from a secured storage compartment in the bike, whether the bike is stolen or not.
In addition to your riding gear, we pay up to $500 for other things that were in a secured compartment in your bike when the bike was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
If your motorcycle’s not recovered within 14 days of us approving your claim, we pay you the amount you covered it for.
If your motorcycle's less than 2 years old and you’re the first registered owner, we replace it with a new one.
AAMI Lucky Club offers unique experiences exclusive to our customers. Access to shows, events and attractions with a little something extra – for you to enjoy with family and friends. That’s not very insurancey.
Helping you get a better deal
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 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.