Our Experience with Customers: Choosing the Best Motorcycle Insurance in Australia

The Best Motorcycle Insurance Providers in Australia (Based on Customer Feedback)

1. Shannons Insurance

💬 What our customers say:

• One of the top choices for classic and vintage motorcycles
• Offers agreed value policies, which are great for older or rare bikes
• Excellent customer service and enthusiast-friendly

✅ Best for: Classic and custom bike owners

Regarding protecting your motorcycle, Shannons Insurance stands out as a trusted provider explicitly tailored to motoring enthusiasts. Whether you ride a vintage classic or a modern sports bike, Shannons offers comprehensive motorcycle insurance with benefits designed to meet the needs of passionate riders.

What Shannons Covers

• Helmet and Riding Gear Cover—Protect your essential gear, ensuring you’re covered in case of an accident.
• Agreed Value – Receive an agreed-upon payout for your motorcycle in the event of a total loss.
• Flexible Payment Options – Pay monthly, quarterly, or half-yearly with no additional fees.
• Loss or Damage Protection – Covers accidental damage, theft, and total loss scenarios.

Added Benefits for Riders

• Lifetime Guarantee on Repairs—Shannons authorises all repairs backed by a lifetime guarantee on workmanship and materials.
• New for Old Replacement—If your motorcycle is under two years old and purchased new or as an ex-demo from a licensed dealer, Shannons will replace it with a brand-new model in case of total loss.
• Hire Car Support – If you’re involved in an accident where an identifiable third party is at fault, Shannons provides a hire car while your motorcycle is being repaired or until your claim is settled.

Optional Extras for Enhanced Coverage

• Shannons Roadside Assist – Get peace of mind with 24/7 emergency roadside assistance.
• Hire a Car After an Event for Unlimited Days—Ensure uninterrupted transport with an extended hire car benefit.

Shannons Insurance combines flexibility, reliability, and tailored coverage, making it an excellent choice for Australian motorcyclists who value their ride.

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2. Swann Insurance

💬 What our customers say:

• Well-known in the motorcycle industry
• Offers flexible policy options, including lay-up cover for bikes stored in winter
• Good balance between cost and coverage

✅ Best for: Riders looking for flexible policies

Swann Insurance offers a range of motorcycle insurance cover options designed to suit different rider needs. Whether you’re seeking full protection with Comprehensive Motorcycle Insurance or essential coverage with Third Party Liability Insurance, Swann provides flexible and affordable plans to protect your bike.

Comprehensive Motorcycle Insurance – Full Protection for Your Ride

Swann’s Comprehensive Motorcycle Insurance offers extensive coverage, ensuring your motorcycle is safeguarded from various risks:

• Accidental Damage – Covers repair or replacement costs if your bike is damaged in an accident.
• Flood and Storm Protection – Includes damage caused by extreme weather events.
• Malicious Damage – Protects against vandalism and intentional harm.
• Legal Liability – Covers compensation costs for damage caused to others’ property.
• Theft – Provides financial support if your motorcycle is stolen.
• Keys and Locks Coverage—You can be reimbursed up to $2,000 if your keys or locks need to be replaced.
• Fire Protection – Covers fire-related damages.
• New Motorcycle Replacement – If your bike is less than 24 months old, Swann will replace it with a new one after a total loss.
• Bushfire and Grassfire Cover – Protection against fire-related damage caused by natural disasters.
• Cyclone Protection – Covers damage resulting from cyclones.

Third-Party Liability Insurance – Essential Cover for Peace of Mind

For riders looking for basic protection, Swann’s Third Party Liability Bike Insurance provides coverage for damage to someone else’s property in the event of an accident. This policy also includes:

• Legal Liability Coverage – Helps cover costs if you’re responsible for damage to others’ property.
• Accidental Damage Protection – Provides coverage for damage caused by unexpected accidents.
• Theft, Fire, and Malicious Damage – Includes protection from theft and intentional harm.
• Flood, Storm, Bushfire, and Cyclone Cover – Ensures protection against natural disasters.
• Keys and Locks Coverage – Up to $2,000 for key and lock replacement.
• New Motorcycle Replacement – Available for bikes less than 24 months old.

Save on Your Swann Motorcycle Insurance

Swann Insurance offers multiple ways to save on your motorcycle insurance premium:

• Up to 5% Rider Training Discount – If you have Comprehensive cover and have completed an accredited advanced rider training course.
• Up to 5% Security Device Discount – If your bike is fitted with a tracking device and/or immobiliser.
• Up to 10% Multi-Bike Discount – Save by insuring multiple motorcycles under one policy.
• Up to 5% Named Rider Discount – Additional savings when you name a specific rider under a Multi-Bike policy.

Swann Insurance provides comprehensive protection for riders across Australia, ensuring that you’re well covered whether you’re on the road or storing your bike.

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3. QBE Motorcycle Insurance

💬 What our customers say:

• Competitive pricing compared to other insurers
• Some riders report slow claims processing, but others have had good experiences.
• Decent for basic coverage

✅ Best for: Budget-conscious riders

QBE Comprehensive Motorcycle Insurance provides extensive coverage and flexible policy options, making it a solid choice for Australian riders looking for security and peace of mind. Whether you own a brand-new bike or a customized motorcycle with accessories, QBE offers tailored solutions to suit your needs.

Key Benefits of QBE Motorcycle Insurance

• Two-Year New Motorcycle Replacement
  Suppose your motorcycle is deemed a total loss within two years of first registration and was bought new or as a demonstrator. In that case, QBE will replace it with a brand-new model of the same make and series (subject to availability and financier approval).

• Motorcycle Apparel Cover
  Riding gear is essential for road safety. QBE offers up to $4,000 in coverage for helmets, jackets, gloves, and other riding apparel damaged in a motorcycle accident.

• Agreed or Market Value
  Riders can insure their bike based on agreed or market value, allowing for customized coverage that includes accessories and modifications.

With QBE Comprehensive Motorcycle Insurance, you can ride confidently, knowing your bike, gear, and finances are well protected in case of an accident or total loss.

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4. RACV Motorcycle Insurance

💬 What our customers say:

• Good roadside assistance options
• Popular with Victorian riders
• Some report higher premiums compared to competitors

✅ Best for: Victorian riders who want roadside assistance

RACV Motorcycle Insurance provides flexible and reliable coverage for riders, whether you’re commuting daily or enjoying weekend cruising. With options ranging from Third Party Liability Insurance to Comprehensive Motorcycle Insurance, RACV protects your ride against accidents, theft, fire, and more.

What Every RACV Motorcycle Insurance Policy Includes

• Up to $20 million in Liability Cover – Protection if you cause an accident that damages another person’s property.
• Choice of Qualified Repairer – You can select a trusted repairer when making a claim.
• Automatic Cover for Vehicle Modifications and Accessories—The coverage includes any modifications, options, and accessories attached to your motorcycle.

RACV Comprehensive Motorcycle Insurance – Full Protection for Your Ride

With Comprehensive Motorcycle Insurance, RACV covers:

• Collision Damage – Repairs for accidental damage to your motorcycle.
• Third-Party Property Damage – Covers unintentional damage to other people’s vehicles or property.
• Fire, Theft, and Vandalism Protection – Financial protection against unexpected incidents.
• Protective Gear Cover – Up to $2,000 to repair or replace damaged safety gear like helmets and jackets.

RACV Third Party Motorcycle Insurance – Basic Protection

For riders looking for essential coverage, RACV’s Third Party Motorcycle Insurance provides:

• Cover for Damage to Another Person’s Property or Vehicle – If you accidentally damage someone else’s property, RACV will help cover the cost.
• Uninsured Driver Protection – If an uninsured driver is at fault in a collision and you can provide their name and address, RACV will cover damage to your motorcycle up to $5,000.

Why Choose RACV Motorcycle Insurance?

RACV offers flexible coverage, a wide range of benefits, and options to suit different riders—whether you ride every day or take your bike out on special occasions. With its comprehensive protection and customizable policies, RACV helps keep Australian motorcyclists covered on the road.

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5. Budget Direct Motorcycle Insurance

💬 What our customers say:

• One of the cheaper options for third-party and comprehensive cover
• It is not as well-known for motorcycle insurance, but it offers decent policies
• Online-focused so that customer service can be hit or miss

✅ Best for: Riders looking for affordable premiums

Budget Direct provides cost-effective motorcycle insurance with flexible options tailored to suit riders’ needs. Whether you’re looking for market or agreed-value coverage, roadside assistance, or protection for personal belongings, Budget Direct ensures you have the right level of coverage at a competitive price.

Key Benefits of Budget Direct Motorcycle Insurance

• Market or Agreed Value—You can choose to insure your motorcycle for its market value or an agreed-value that fits your needs.
• Towing Costs Covered – If your motorcycle is involved in an accident and unsafe to ride, Budget Direct will cover recovery, towing, and storage costs.
• New Motorcycle Replacement – If your bike is written off within the first two years of registration, Budget Direct will replace it with a new model (subject to availability in Australia).
• Guaranteed Repairs – A lifetime guarantee backs all authorised repairs for as long as you own the motorcycle.

Additional Cover for Extra Peace of Mind

• Personal Effects Cover – Covers up to $500 for damaged personal belongings worn or stored in a locked compartment.
• Theft Hire Car – Budget Direct will reimburse hire car costs up to 14 days or $1,000 if your motorcycle is stolen.
• Trailer or Sidecar Protection – Up to $1,000 for accidental collision damage to your motorcycle’s trailer or sidecar.
• Replacement Keys – If your key, proximity key, or remote locking device is stolen, Budget Direct will cover up to $1,000 for a replacement.

Budget Direct’s affordable premiums, flexible policy options, and additional benefits make it an excellent choice for Australian riders looking for comprehensive yet budget-friendly motorcycle insurance.

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6. National Motorcycle Insurance

💬 What our customers say:

• Specializes in motorcycle-specific insurance
• Offers track day cover for those who ride on circuits
• Good coverage for performance and modified bikes

✅ Best for: Performance bike riders and track day enthusiasts

National Motorcycle Insurance offers comprehensive protection for both on- and off-road motorcycles, ensuring riders have the right coverage based on their riding style. Whether you’re a daily commuter, a weekend adventurer, or an off-road enthusiast, National Motorcycle Insurance provides reliable coverage with added benefits to protect your ride.

On-Road Motorcycle Insurance – Comprehensive Cover for Street Riders

For riders who use their motorcycles on the road, National Motorcycle Insurance’s Comprehensive Cover includes:

• 2 Years New for Old Replacement – If your bike is lost within two years of purchase, it will be replaced with a new bike of the same make, model, or series.
• Riding Gear Cover—This cover protects up to $3,000 for damaged riding gear ($1,500 per item or pair).
• Genuine Parts Used—Wherever possible, repairs will be completed using genuine manufacturer parts for motorcycles up to five years old.
• Keys & Locks Replacement – Up to $1,500 per claim, with no excess payable if your keys are stolen or lost.
• Tyre & Rim Cover – Up to $1,000 per claim for accidental damage to tyres and rims, with no excess payable.
• Loan Balance Assistance – Up to $2,500 payable to a named financier if the bike is declared a total loss.

Off-Road Motorcycle Insurance – Protection for Adventure Riders

For those who love off-road riding, National Motorcycle Insurance offers comprehensive cover with:

• 1 Year New for Old Replacement – If your off-road bike is a total loss within the first year, it will be replaced with a new model.
• Riding Gear Cover – Provides up to $1,000 for damaged gear ($500 per item).
• Genuine Parts Used—Wherever possible, Repairs on bikes up to five years old will be completed using genuine manufacturer parts.
• Keys & Locks Replacement – Up to $1,500 per claim, with no excess payable.
• Loan Balance Assistance – Up to $1,500 payable to a named financier in case of total loss.

Why Choose National Motorcycle Insurance?

National Motorcycle Insurance provides comprehensive protection for both on-road and off-road riders, offering riding gear cover, loan balance assistance, and tyre and rim coverage as key benefits. With flexible policies designed to suit different riding styles, National Motorcycle Insurance ensures that your bike—and everything that comes with it—is well protected against unexpected events.

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7. NRMA Motorcycle Insurance

💬 What our customers say:

• Reliable insurance brand
• Good multi-policy discounts if you have car/home insurance with them
• Some riders find premiums a bit higher than expected

✅ Best for: Riders who already have NRMA car/home insurance

NRMA offers a range of motorcycle insurance options designed to protect your bike, whether it’s your daily ride, a weekend cruiser, or a prized classic. With Comprehensive, Third Party Property Damage, and Classic Motorcycle Insurance, NRMA ensures that riders have the right level of coverage for their needs.

Comprehensive Motorcycle Insurance – Full Protection for Your Bike

For riders looking for complete peace of mind, NRMA’s Comprehensive Motorcycle Insurance covers:

• Collision or Accidental Damage – Protection if your motorcycle is damaged in a crash or accident.
• Theft or Attempted Theft – Coverage for stolen motorcycles or attempted theft.
• Fire, Storm, Flood, and Earthquake – Protection against natural disasters and environmental damage.
• Vandalism or Malicious Damage – Covers intentional damage to your bike.
• Emergency Repairs – Up to $800 for urgent repairs after a covered incident.
• New-for-New Replacement – If your bike is written off within the first two years, NRMA will replace it with a new one of the same make and model.
• Liability Cover – Up to $20 million for damage caused to another person’s property.
• Helmet Replacement – Coverage for helmet replacement after an accident.
• Tools of Trade – If your bike is used for business, NRMA provides up to $1,500 in coverage for tools lost or damaged in an insured event.
• Tsunami Cover – Protection in the event of tsunami-related damage.

Optional Add-ons for Extra Protection

• Hire Car Cover – Up to $75 per day for 21 days.
• Protective Clothing Cover – Additional coverage for riding gear.

Exclusive Online Discount

Buy Comprehensive Motorcycle Insurance online and receive up to 10% off your first year’s premium.

Third-Party Property Damage Motorcycle Insurance – Essential Liability Cover

For riders looking for basic coverage, NRMA’s Third Party Property Damage Insurance offers:

• Liability Cover – Up to $20 million for damage you cause to another person’s property or vehicle.
• Uninsured Driver Protection – Up to $5,000 in coverage if your motorcycle is damaged by an at-fault uninsured driver (provided you can identify them).
• Cover for Any Licensed Rider – Any licensed rider who uses your motorcycle is covered.
• Lifetime Guarantee for Authorised Repairs – NRMA guarantees repairs for as long as you own your bike.

Classic Motorcycle Insurance – Special Coverage for Vintage & Collector Bikes

If you own a veteran, vintage, or classic motorcycle, NRMA offers a tailored insurance policy to protect your prized possession.

What’s Covered?

• Accidental Damage – Covers damage to your classic bike from an accident.
• Theft – Protection if your motorcycle is stolen.
• Fire, Storm, and Flood Cover protects against extreme weather events.
• Emergency Repairs – Up to $1,000 for urgent fixes.
• Liability Cover – Up to $20 million for damage caused to someone else’s property.
• Keys, Locks, and Barrels Replacement – Financial support for lost or stolen keys.
• Personal Items Cover – Up to $1,000 for damaged or stolen personal belongings.
• Helmet Cover – Includes replacement of your helmet after an insured event.
• Towing – Covers transport of your bike after an accident.
• Keep Your Damaged Bike—If your motorcycle is over 35 years old, you can keep it after a total loss claim.

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8. GIO Motorcycle Insurance

💬 What our customers say:

• Offers lifetime new-for-old replacement (if you meet the conditions)
• Some reports of slow claims handling
• It is a decent choice for long-term riders

✅ Best for: Riders wanting long-term security

GIO offers three flexible insurance options:

• Third Party Property Damage Insurance – Covers damage to others’ property, plus up to $5,000 for your bike if an uninsured driver is at fault.
• Fire, Theft & Third Party Property Insurance – Adds protection against fire and theft, along with coverage for riding apparel ($2,000), personal property ($500), and hire car for theft (up to 21 days).
• Comprehensive Motorcycle Insurance – Provides full coverage, including accidental damage, theft, fire, flood, vandalism, new-for-new replacement (if under 2 years old), and trailer protection.

Extra Benefits and Features

• Liability Cover – Up to $20 million for third-party property damage.
• Emergency Assistance – Covers towing, storage, and travel/accommodation expenses if your bike is stolen or damaged.
• Riding Gear and Personal Property – Protection up to $2,000 for riding gear and $500 for personal items.
• New Bike Replacement – Available with Comprehensive Cover for motorcycles under 2 years old.

Why Choose GIO Motorcycle Insurance?

• Flexible coverage tailored to different rider needs.
• 24/7 claims support for fast assistance.
• Lifetime repair guarantee on authorised repairs.
• Competitive coverage for uninsured driver accidents.
• CTP Green Slip options are available for NSW and ACT riders.

With GIO, you can choose a policy that best fits your riding habits and budget, ensuring peace of mind.

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9. RAA Motorcycle Insurance

💬 What our customers say:

• A strong choice for South Australian riders
• Good roadside assistance options
• Coverage varies depending on the policy

✅ Best for: Riders in South Australia

RAA offers Comprehensive and Third-Party Motorcycle Insurance for motorcycles, mopeds, cruisers, and scooters, ensuring riders have the protection they need. Whether you’re looking for full coverage for accidental damage, theft, and riding gear or just need third-party liability protection, RAA provides flexible and affordable options.

Comprehensive Motorcycle Insurance – Full Protection for Your Ride

RAA’s Comprehensive Motorcycle Insurance covers:

• Accidental Loss or Damage – Protection Australia-wide for damage caused by fire, flood, hail, storms, vandalism, and theft.
• New Motorcycle Replacement – If your new motorcycle is written off within two years of its first registration, RAA will replace it with a new model of the same or similar make (subject to local availability).
• Rider Safety Equipment Cover – Up to $750 for helmet and protective clothing replacement if damaged in an accident.
• Key Theft Protection – Covers up to $1,000 for replacement keys, recoding locks, and central locking remote controls if stolen.
• Recovery Costs After Theft – Covers motorcycle transport costs if your bike is recovered after being stolen.

✅ Best for: Riders who want full coverage for their motorcycle, including accident protection, theft recovery, and riding gear replacement.

Third-Party Motorcycle Insurance – Essential Liability Coverage

For riders looking for basic coverage, RAA’s Third Party Motorcycle Insurance provides:

• Liability Protection – This covers damage your motorcycle causes to someone else’s property.
• RAA Membership Benefits – Get access to exclusive discounts and perks.

✅ Best for: Riders who only need basic third-party protection and want to keep costs low.

Why Choose RAA Motorcycle Insurance?

✔ Multi-policy discounts – Save more when you bundle your motorcycle insurance with other RAA policies.
✔ Flexible payment options – Pay monthly at no extra cost, and coverage can start immediately with 21 days to pay.
✔ RAA Membership included – Enjoy exclusive benefits and savings as part of your insurance policy.
✔ Coverage for high-capacity motorcycles (1250cc and above) – Requires a direct consultation for a custom quote.

RAA Motorcycle Insurance ensures peace of mind for all riders, whether they commute daily, enjoy weekend rides, or protect a high-powered motorcycle.

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10. RACQ Motorcycle Insurance

💬 What our customers say:

• An excellent option for Queensland riders
• Well-known for reliable customer service
• Offers emergency accommodation and towing

✅ Best for: Riders in Queensland

RACQ offers comprehensive motorcycle insurance designed to protect riders against accidents, theft, natural disasters, and third-party liability. Whether you own a cruiser, tourer, or electric motorcycle, RACQ ensures peace of mind with flexible coverage, repair guarantees, and member benefits.

Comprehensive Motorcycle Insurance – Full Coverage for Your Ride

RACQ’s Comprehensive Motorcycle Insurance provides:

• Accident, Theft & Fire Protection – Covers loss or damage from accidents, theft, flood, storm, hail, vandalism, and fire.
• $20 Million Third-Party Liability Cover – Protects you against claims for damage to someone else’s property caused by your motorcycle.
• Choice of Repairer – You can choose your own repairer or use an RACQ Selected Repairer for a lifetime guarantee on repairs.
• Temporary Cover for Replacement Motorcycles – If you sell your motorcycle and buy a new one, the replacement is covered for 14 days while you update your policy.
• Electric Motorcycle Cover – RACQ is one of the few insurers providing electric motorcycle coverage.

✅ Best for: Riders who want comprehensive protection for their motorcycle, riding gear, and third-party liability.

Exclusive RACQ Member Benefits

• Lifetime Repair Guarantee – Repairs are guaranteed for life when you use an RACQ Selected Repairer.
• Multi-Policy Discounts – Save up to 5% on each policy when you hold three or more qualifying RACQ insurance policies.
• Queensland-Based Customer Support – Access local assistance via phone, online, or in-store.
• Mutual Organisation Perks – As a member-based organisation, RACQ reinvests in community initiatives rather than shareholders.

Why Choose RACQ Motorcycle Insurance?

✔ Comprehensive coverage for accidents, theft, fire, and natural disasters
✔ $20 million third-party liability cover
✔ Lifetime guarantee on repairs with RACQ Selected Repairers
✔ Exclusive member discounts and perks
✔ Support for electric motorcycles

With RACQ Motorcycle Insurance, Queensland riders get flexible, reliable, and community-driven coverage, ensuring their bikes stay protected no matter where the road takes them.

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11. AAMI Motorcycle Insurance

💬 What our customers say:

• Well-known insurer with a simple claims process
• Offers multi-policy discounts if you bundle with car/home insurance
• Some riders report higher premiums but good coverage options

✅ Best for: Riders looking for a trusted, hassle-free insurer

AAMI offers two main motorcycle insurance options: Comprehensive Motorcycle Insurance and Third Party Property Damage Motorcycle Insurance. Whether you want full protection for your motorcycle or just basic liability cover, AAMI provides flexible coverage that applies to a wide range of motorcycles, including scooters, mopeds, cruisers, sport bikes, touring bikes, naked bikes, and dirt bikes.

Comprehensive Motorcycle Insurance – Full Protection for Your Bike

AAMI’s Comprehensive Motorcycle Insurance provides complete coverage for your motorcycle, including protection against accidents, theft, and natural disasters.

Key Benefits:

• Motorcycle Theft & Accidental Damage – Covers loss or damage caused by theft, attempted theft, collision, malicious damage, hail, storm, flood, and bushfire.
• $20 Million Liability Cover – Protects you against claims for damage caused to other people’s property.
• Protective Clothing Cover – Covers riding gear (including helmets, jackets, gloves, and boots) up to $1,000 per incident if stolen from a secured compartment or damaged in an insured event.
• Help with Emergency Costs – Provides up to $500 for emergency travel and accommodation if you’re more than 100 km from home and your motorcycle is unsafe to ride.
• Emergency Repairs – Covers up to $500 for urgent repairs to make your motorcycle safe to ride.
• Two-Wheel Trailer Cover – Includes coverage for two-wheel trailers attached to your motorcycle.
• Lifetime Guarantee on Repairs – Any authorised repairs made by AAMI are guaranteed for as long as you own the motorcycle.

✅ Best for: Riders who want comprehensive protection against theft, accidents, and property damage, along with coverage for riding apparel and emergency assistance.

🚀 Save $25 – Get a first-year online discount when purchasing Comprehensive Motorcycle Insurance.

Third-Party Property Damage Motorcycle Insurance – Affordable Liability Cover

For riders who only need basic coverage, AAMI’s Third Party Motorcycle Insurance provides protection against damage you cause to others’ property, plus limited cover for damage to your own motorcycle caused by an uninsured driver.

Key Benefits:

• $20 Million Liability Cover – Covers damage your motorcycle causes to someone else’s vehicle or property.
• Uninsured Driver Protection – Covers up to $5,000 in repair costs for your motorcycle if an uninsured driver is entirely at fault in an accident (must provide their name, address, and vehicle registration details).
• Optional Cover for Fire & Theft – You can add extra protection to cover loss or damage caused by fire or theft.

✅ Best for: Budget-conscious riders who need third-party liability coverage and some protection against uninsured drivers.

🚀 Save $15 – Get a first-year online discount when purchasing Third Party Motorcycle Insurance.

Why Choose AAMI Motorcycle Insurance?

✔ Comprehensive or third-party coverage tailored to your needs and budget
✔ $20 million third-party liability cover
✔ Emergency assistance benefits for long-distance riders
✔ Protection for riding gear and motorcycle trailers
✔ Lifetime guarantee on authorised repairs
✔ First-year online discounts available

With AAMI, you can ride with confidence knowing your motorcycle is covered against the unexpected, whether it’s accidents, theft, or liability claims.

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