What kinds of motorcycles do you insure?

We insure all sorts of motorbikes (including cruiser, sport, touring, and naked bikes), scooters, and mopeds. Our only exceptions are: Motorcycles built before 1976 Select models of privately imported bikes Motorised bicycles (pedal powered) Racing bikes Any motorcycle used for business, hire or paid riding tuition Bikes that don’t need to be registered by law, like dirt, trail and quad bikes, can also be covered by our Third Party Fire & Theft Insurance, but only for theft. Just make sure you don’t ride them anywhere that requires them to be registered.

Third Party Motorcycle Insurance

Covers you for damage to other people's vehicles and property, plus damage caused to your motorcycle by uninsured drivers. With option to include fire and theft cover.

Approved repairs guaranteed for life - claim online

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$15 OFF
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What is Third Party Motorcycle Insurance?

Third Party Property Damage Motorcycle Insurance can help to cover costs for which you’re liable if you damage someone else’s vehicle or property while you’re out riding. It can also offer up to $5,000 cover for damage caused to your motorcycle by uninsured drivers, and cover for fire and theft is available as an Optional Cover.

What's included in Third Party Motorcycle Insurance?

THIRD PARTY MOTORCYCLE
INSURANCE

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Product Disclosure Statement (PDS)

Damage to other people’s vehicles and property

We’ve got you covered for up to $20 million if your motorcycle damages someone else’s vehicle or property.

Damage by uninsured drivers

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.

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.

Optional Cover for
AAMI Third Party Damage Motorcycle Insurance

FIRE & THEFT COVER

Upgrade your policy with this higher level of cover to ensure your motorcycle covered against loss or damage caused by fire, theft or attempted theft.

Policy document downloads
Product Disclosure Statement (PDS)

Damage by fire

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

Bike Theft

Hire car for up to 21 days

Riding apparel cover

Up to $500 for personal items

Pay out if your motorcycle is stolen and isn’t recovered

AAMI Third Party Motorcycle Insurance

Frequently asked questions

If your motorcycle already has hail damage at the time of insuring it with AAMI, you may be eligible for our Third Party Property Damage Insurance. You can’t get Comprehensive Motorcycle Insurance or Third Party Fire & Theft Insurance.

We insure all sorts of motorbikes (including cruiser, sport, touring, and naked bikes), scooters, and mopeds.

Our only exceptions are:

Motorcycles built before 1976
Select models of privately imported bikes
Motorised bicycles (pedal powered)
Racing bikes
Any motorcycle used for business, hire or paid riding tuition

Bikes that don’t need to be registered by law, like dirt, trail and quad bikes, can also be covered by our Third Party Fire & Theft Insurance, but only for theft. Just make sure you don’t ride them anywhere that requires them to be registered.

Helping you get a better deal

Smarter ways to lower your premium

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We keep it flexible

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.

Save on premiums

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.

Adjust your excess and save

AAMI Flexi-Premiums^®

With AAMI Flexi-Premiums^®, you can choose to lower your premium by increasing your excess on eligible policies.