Motorcycle Insurance

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Motorcycle Insurance

There's nothing quite like hitting the open road on your motorbike. But to really enjoy that feeling of freedom, you need to know your precious wheels are protected.

Motorcycle Insurance in brief*

Allianz Comprehensive Motorcycle Insurance provides cover for accidental loss or damage to your motorbike anywhere in Australia, regardless of whether the accident is your fault or not. It also includes up to $20 million cover for your legal liability for loss or damage to other people's property caused by a motorcycle accident which is partly or fully your fault. Check out the PDS, which sets out the standard terms, conditions, limits and exclusions of cover.

If you have a good claims history, you may be eligible to receive a no claim bonus of up to 65%.1, 2 Plus you may be eligible to receive a safe rider discount if you are over 30 and have held a maximum no claim bonus for the last five consecutive years.1, 3

You may be able to save on your comprehensive motorcycle insurance policy by choosing to exclude riders under the age of 30.1

Allianz Comprehensive Motorcycle Insurance comes with a range of great benefits, including cover for the cost of hiring a car for up to 14 days (up to $75 per day) should your motorbike get stolen, up to $750 trailer cover, up to $500 for transportation costs after an accident and up to $500 for the cost of emergency repairs for your motorbike.

For even more protection, you can add the optional cover for your riding gear or opt to remove the basic excess for repairing or replacing broken headlight glass.

We know how stressful it can be if something happens to your motorbike. If you purchase Allianz Comprehensive Motorcycle Insurance through 1300 Insurance, you will have access to a friendly and efficient claims lodgement service which is available 24 hours a day, 7 days a week.

*For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.


Allianz Comprehensive Motorcycle Insurance is the highest level of motorcycle insurance cover we offer, designed to protect you for accidental loss or damage to your motorbike*. It also comes with a wide range of benefits to give you peace of mind wherever your wheels take you across Australia.

Policy Benefits

As well as cover for your legal liability for damage to other vehicles as a result of an accident, Allianz Comprehensive Motorcycle Insurance can provide you with cover for accidental loss of or damage to your own motorcycle. If a covered accident happens, the insurer will cover the cost of authorised repairs at a repairer of your choice up to the policy limits – and if you bought your motorbike brand new and it's written off within two years of its original registration, the insurer will replace it with a new motorbike of the same make, model and series, including on-road costs, if it is available in Australia.

If you are responsible or partly responsible for a motorcycle accident, you could be liable for the cost of repairs or replacement of other people's property damaged as a result – not just other vehicles, but also buildings, equipment and personal property. Allianz Comprehensive Motorcycle Insurance also includes up to $20 million cover for your legal liability, plus cover for your legal costs provided they are agreed by the insurer.

Allianz Comprehensive Motorcycle Insurance also includes benefits to ease the cost and inconvenience you could face if your motorbike is accidentally lost or damaged – such as cover for reasonable towing costs, up to $500 for emergency repairs, up to $500 for transportation costs following an accident, and up to $400 for emergency accommodation if your motorcycle cannot be safely ridden home after an accident and you are more than 100km from your home.*

Allianz Comprehensive Motorcycle Insurance also comes with up to $1,000 cover for the cost of re-keying or re-coding your motorcycle's locks, and up to $750 cover for accidental loss of or damage to a motorcycle trailer which was attached to your motorcycle.

For a summary of the cover under Allianz Comprehensive Motorcycle Insurance, take a look at the table below.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Motorcycle Insurance Product Disclosure Statement.

Benefits of Allianz Comprehensive Motorcycle Insurance

New for old replacement of a new motorcycle (including on road costs) following a total loss if your motorcycle was purchased new and becomes a total loss within its first two years of original registration

Cover for your legal liability for damage to other people's property Up to $20,000,000

Legal liability cover when using a substitute vehicle

Legal costs (if approved by insurer)

Rental car following theft ($75 per day limit, up to 14 days)

Reasonable costs of towing

Cover for general average and salvage charges if your motorcycle is being transported by ship

Trailer cover (up to $750)

Emergency repairs (up to $500)

Transportation costs (up to $500)

Re-keying and re-coding of motorcycle's locks (up to $1000)

Emergency accommodation costs (up to $400)

How to apply for cover

Applying for motorcycle insurance is quick and simple – just call 1300 467 872. If you need same day cover and meet the eligibility criteria, your insurance will start from the moment your application is accepted.

Need to claim?

If something does happen to your motorbike, you need an insurance company that will act fast to help you get back on the road. That's why we've partnered with Allianz, who has a quick and efficient claims process, to bring you this insurance. Click here for information on how to claim.

Call 1300 467 872

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

Policy exclusions

Comprehensive motorcycle insurance transfers many of the risks motorcycle owners face from you to the insurer. However, it is important to understand that comprehensive motorcycle insurance does not cover every circumstance or expense that you may incur and there are some exclusions to the cover. For the standard terms, conditions, limits and exclusions of cover, please see the Product Disclosure Statement.

Important Policy Information

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz).

We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement, available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.


1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

2 Maximum discount percentage varies from State to State.

3 Safe Rider Discount applies to new Comprehensive Motorcycle Insurance policies only. To be eligible for a Safe Rider Discount:

  • the rateable rider must be aged 30 years or over;
  • the insured (owner) must have held a maximum No Claim Bonus for the last five consecutive years; and
  • all nominated riders must have had no at fault claims for the last five years.