In the last 3 years have you or any rider to be insured under this policy had any motor vehicle related claims, driver’s licence suspensions, cancellations, disqualifications or restrictions?
Is this bike road registered?
Does your bike have custom or specialised paint (after market), a modified frame or subframes, a petrol/LPG super charger (after market) or turbo charger or nitro?
All other modifications and accessories fitted to your bike are automatically covered Help
Do you or any family or household members have any current policies with AAMI?
You must tell us about everyone who will ride this bike repeatedly.
By repeatedly, we mean anyone you know or expect to ride the bike regularly, or only from time to time, during the period of insurance. If other people ride this bike repeatedly or from time to time, you'll be able to list them later in this quote.
If you need to let someone else, who you are not aware of today, ride the bike, we will cover them subject to the terms of your policy. Please read the PDS for details.
AAMI is obligated to insure all riders correctly. Not telling us about a repeat rider could result in your claim being reduced or not paid, a higher claim excess, or your policy being cancelled.
AAMI does not insure any bikes used for business use.
By business use we mean your bike being used during your full-time, part-time or casual working period as an integral means of earning an income.
However we do not consider it to be business use when your bike is used to ride to and from work and/or occasional use in connection with work.
We have you covered
AAMI's motorcycle insurance automatically provides cover for accessories and modifications, including manufacturer’s options, that have been fitted to your bike up to the amount covered, with the exception of the accessories and modifications referred to above.
A course run by professional instructors teaching safe riding skills. Excluding any course undertaken to obtain your bike licence.
We consider your motorcycle a write off when:
- It's stolen and unrecovered after 14 days; or
- We decide it's uneconomical, impractical or unsafe to repair.
We also refer to this as 'total loss'.
This is just a summary. For ful details, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
How much your vehicle is insured for.
It's the maximum amount we'll pay for loss or damage to your bike caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
Duty of Disclosure
Your duty of disclosure
Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.
If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.
You have this duty until we agree to insure you.
If you do not tell us something
If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.
If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.