Third Party Motorcycle Insurance

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.

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.

How much your vehicle's insured for.

It’s the maximum amount we’ll pay for loss or damage to your vehicle caused by an insured incident.  The amount is shown on your certificate of insurance and includes GST.

We consider your vehicle 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 a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.

If your motorcycle is a total loss, we’ll cover the cost to replace it with a new motorcycle that’s the same or similar make and model if:

• your motorcylcle is less than 2 years old
• you’re the first registered owner

This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.

Before you buy, make changes to or reinstate this consumer insurance contract we will ask you questions. Your answers will be used to decide if we can insure you and on what terms.

You have a duty to us under the Insurance Contracts Act to take reasonable care not to make a misrepresentation. To make sure that you meet this duty to us, it is important that you answer all questions truthfully and accurately.

If you give us information that is not true and accurate, we may be able to reduce or refuse to pay a claim or cancel your policy, or both. If your failure is fraudulent, we may be able to refuse to pay a claim and treat the contract as if it never existed.

By getting a quote you agree that the right PDS is being made available to you by this website, have read "Your duty to us: no misrepresentation" and agree with our Online Terms & Privacy Statement.