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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.
Get your quote now
$15 OFF
New policies when purchased online
$15 OFFNew policies when purchased online
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.
Policy document downloads
Product Disclosure Statement (PDS)
We’ve got you covered for up to $20 million if your motorcycle damages someone else’s vehicle or property.
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.
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)
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).
Hire car for up to 21 days
If your motorcycle is stolen, we'll keep you on the road with a hire car that meets your transport needs until your motorcycle is returned undamaged, or repaired, to a maximum of 21 days.
Riding Apparel Cover
We cover your riding apparel (or your pillion passenger’s) if it's stolen by force from a secure storage compartment on your motorcycle, or damaged or stolen when your motorcycle is damaged or stolen in an incident covered by your policy. This includes helmets, gloves, riding jackets, pants, boots and any other motorcycle specific gear, such as body armour and knee guards.
We cover up to a total of $1,000 for any one incident.
Up to $500 for personal items
In addition to your riding apparel, we pay up to $500 for other items (e.g. clothing, electronic equipment and telecommunication devices) that are in a secured compartment in your motorcycle when your motorcycle has been stolen or damaged by fire in an incident covered by your policy. (Exceptions apply such as cash and tools.)
Pay out if your motorcycle is stolen and isn't recovered
If your motorcycle is not recovered after 14 days and your claim is accepted, we will pay you the amount covered shown on your certificate of insurance less any deductions that apply.
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.
Customer Rewards
We’d like to introduce you to AAMI Lucky Club, a place where our customers come to get access to amazing experiences.
Hire car for up to 21 days
If your motorcycle is stolen, we'll keep you on the road with a hire car that meets your transport needs until your motorcycle is returned undamaged, or repaired, to a maximum of 21 days.
Riding Apparel Cover
We cover your riding apparel (or your pillion passenger’s) if it's stolen by force from a secure storage compartment on your motorcycle, or damaged or stolen when your motorcycle is damaged or stolen in an incident covered by your policy. This includes helmets, gloves, riding jackets, pants, boots and any other motorcycle specific gear, such as body armour and knee guards.
We cover up to a total of $1,000 for any one incident.
Up to $500 for personal items
In addition to your riding apparel, we pay up to $500 for other items (e.g. clothing, electronic equipment and telecommunication devices) that are in a secured compartment in your motorcycle when your motorcycle has been stolen or damaged by fire in an incident covered by your policy. (Exceptions apply such as cash and tools.)
Pay out if your motorcycle is stolen and isn't recovered
If your motorcycle is not recovered after 14 days and your claim is accepted, we will pay you the amount covered shown on your certificate of insurance less any deductions that apply.
Ways to save on Motorcycle Insurance
If you get a motorcycle insurance quote online and go on to purchase online, you’ll be eligible for our online discount. The amount will vary depending on whether you choose a Comprehensive or Third Party policy.
With Flexi-Premiums you can choose to be liable for a higher excess payment than the standard, should you ever make a claim for which excess is payable. Choosing to apply this to your policy will mean that your premium payments are lower. The range of Flexi-Premiums excess that we offer is between $500 and $1,200.
For a Comprehensive policy, or a Third Party policy with the optional Fire & Theft coverage added, your certificate of insurance will specify an Amount Covered. This is the maximum amount that you’ll be paid for replacement or repair if your make a claim and we accept it.
You can lower your Amount Covered, which will usually mean that your premiums are lower. However, this can mean that you’re up for more out-of-pocket costs if you need to replace your bike, or pay for an expensive repair. Whether that trade-off is worthwhile is something you need to consider.
The NCB is a discount on your premium that rewards you for good claims history. It will increase or remain at the maximum upon each renewal if you don’t make a claim, or you make a claim for which you’re not at fault and where the other party can be identified. The levels of NCB discount are between 0% and 60%.
This discount is only available for Comprehensive Motorcycle Insurance policies.
To save time let's start by asking you 7 simple questions
By getting a quote you agree that the right PDS is being made available to you by this website, agree with our Online Terms & Privacy Statement.
Regular riders
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.
Will anyone apart from you be riding this bike repeatedly? Help
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?
Business use
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.
Is this bike used for business? Help
Is this bike road registered?
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.
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?
Rider course
A course run by professional instructors teaching safe riding skills. Excluding any course undertaken to obtain your bike licence.
Have you completed an advanced rider course ? Help
We are unable to offer you insurance due to the following:
No cover is available for business or commercial use.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
We are unable to offer you insurance due to the following:
The type of accessories or modifications you have on your bike.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
We are unable to offer you insurance due to the following:
No cover is available for business or commercial use.
The type of accessories or modifications you have on your bike.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
Regular riders
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.
Business use
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.
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.
Rider course
A course run by professional instructors teaching safe riding skills. Excluding any course undertaken to obtain your bike licence.
To save time let's start by asking you 7 simple questions
By getting a quote you agree that the right PDS is being made available to you by this website, agree with our Online Terms & Privacy Statement.
Regular riders
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.
Will anyone apart from you be riding this bike repeatedly? Help
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?
Business use
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.
Is this bike used for business? Help
Is this bike road registered?
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.
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?
Rider course
A course run by professional instructors teaching safe riding skills. Excluding any course undertaken to obtain your bike licence.
Have you completed an advanced rider course ? Help
We are unable to offer you insurance due to the following:
No cover is available for business or commercial use.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
We are unable to offer you insurance due to the following:
The type of accessories or modifications you have on your bike.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
We are unable to offer you insurance due to the following:
No cover is available for business or commercial use.
The type of accessories or modifications you have on your bike.
For assistance with finding another insurance provider, you can contact the Insurance Council of Australia at www.insurancecouncil.com.au/contact-us
Regular riders
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.
Business use
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.
Rider course
A course run by professional instructors teaching safe riding skills. Excluding any course undertaken to obtain your bike licence.
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.
Amount Covered
How much your motorcycle’s insured for.
It’s the maximum amount we’ll pay for loss or damage to your motorcycle caused by an insured incident, less any deductions that may apply.
The Amount Covered 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.
Have you read and do you understand your duty of disclosure?
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.
Have you read and do you understand your duty of disclosure?
COOKIE AND DATA POLICY
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how AAMI collects and uses data related to your online activity, and how you can choose to remain anonymous.
AAI LIMITED TRADING AS AAMI
AAMI Home Building and Home Contents Insurance, Landlord Insurance, Strata Insurance, Car Insurance, Motorcycle Insurance, NSW and SA CTP Insurance, ACT MAI Insurance, Caravan Insurance, Business Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Registered Office, Level 28, 266 George St, Brisbane QLD 4000.
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it's appropriate for you before making any decisions about whether to buy or continue to hold a product.
This content is current for Home Building, Home Contents, Fire & Theft Contents, Landlord, Strata, Car, Caravan and Motorcycle Insurance policies with a start date after 14 December 2020.
AAMI PET INSURANCE
Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL's authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) (Ventures) under the AAMI brand); and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Ventures are authorised representatives of PetSure. PIPL and PIPL's authorised distribution partners (including Ventures) will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details.
AAMI HEALTH INSURANCE
AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
AAMI LIFE INSURANCE
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL companies use the AAMI brand (brand of the Suncorp network) under licence. Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 will be issued by Asteron Life & Superannuation Limited, ABN 87 073 979 530, AFSL 229880 (Asteron). The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other. Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement.
