Motorcycle Insurance
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Winner of RFI Global's Most Recommended General Insurer Award 2019-2024 -
Multi-policy holder discounts -
Cover can start immediately with 21 days to pay -
Pay monthly at no extra cost
Because you never know what’s around the corner
RAA Comprehensive Motorcycle Insurance covers your pride and joy if it’s stolen or damaged, and also covers your riding gear. Our Third Party Insurance covers you for damage to other people’s property caused by your motorcycle.
Plus, our insurance policies include RAA membership, giving you access to a whole world of benefits and savings.
If the engine capacity of your motorcycle is 1250cc or more, we'll need to have more of a chat, so please call us for a quote.
Comprehensive Motorcycle Insurance Benefits
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1Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your motorcycle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism), and theft or attempted theft.Covered Australia-wide -
1
New motorcycle replacement
If you buy a brand new motorcycle and it’s written off within two years of the initial registration date, we’ll replace it with a new one of the same or similar make and model, subject to local availability.Within first two years -
1
Rider safety equipment
We’ll cover up to $750 for the replacement (new for old) of your rider safety equipment (motorcycle helmet and/or protective clothing designed for riding a motorcycle), if it’s damaged as a result of an incident.Up to $750 -
1
Theft of keys
We'll cover up to $1,000 for the replacement of keys, central locking remote control, and/or recoding of locks if your keys are stolen.Up to $1,000 following theft of keys -
1
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for the return of your motorcycle if it’s recovered after being stolen.Some motorcycle transport costs after theft -
Towing and storage
If your motorcycle's damaged as a result of an incident, we’ll cover the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.Cover cost of removal and storage -
Emergency repairs
For every claim we accept, we'll cover up to $750 for emergency repairs to your motorcycle so you can get it to your destination, the nearest repairer or place of safety after an incident.Up to $750 -
Emergency travel and accommodation
If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an incident, we’ll cover up to $750 for emergency travel and overnight accommodation.Up to $750 in certain situations -
14 day change of motorcycle cover
When you sell or replace your motorcycle for another one, we’ll cover the new motorcycle for up to 14 days.Transfer cover to a new motorcycle for up to 14 days -
Accidents: other people's property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $20 million -
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $5 million -
Claims handled in South Australia
For your convenience our call centre and claims department are right here in SA.SA local -
$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.No excess to pay in some situations -
Traveller's Benefit
We'll cover up to $750 for transport and accommodation if you're driving your motorcycle more than 100km from home and unexpectedly you become seriously ill or injured.Up to $750 -
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.Choose from our network of repairers -
Replacement parts
We'll ensure the use of appropriate new or used parts, consistent with the age and condition of your vehicle.Use appropriate parts -
Taxi home
We’ll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your motorcycle is stolen or isn't rideable as a result of the incident.Up to $150 -
Flexible excess options
Options available to suit your needs.
Choice of excess
Comprehensive Motorcycle Insurance Benefits
Use the drop-down menus to compare options
VS
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1Summary of benefits
Accidental loss or damage
You’re covered Australia-wide for accidental loss or damage to your motorcycle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism), and theft or attempted theft.Covered Australia-wide -
1
New motorcycle replacement
If you buy a brand new motorcycle and it’s written off within two years of the initial registration date, we’ll replace it with a new one of the same or similar make and model, subject to local availability.Within first two years -
1
Rider safety equipment
We’ll cover up to $750 for the replacement (new for old) of your rider safety equipment (motorcycle helmet and/or protective clothing designed for riding a motorcycle), if it’s damaged as a result of an incident.Up to $750 -
1
Theft of keys
We'll cover up to $1,000 for the replacement of keys, central locking remote control, and/or recoding of locks if your keys are stolen.Up to $1,000 following theft of keys -
1
Recovery costs following theft
We’ll cover the transport costs, as agreed by us, for the return of your motorcycle if it’s recovered after being stolen.Some motorcycle transport costs after theft -
Towing and storage
If your motorcycle's damaged as a result of an incident, we’ll cover the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.Cover cost of removal and storage -
Emergency repairs
For every claim we accept, we'll cover up to $750 for emergency repairs to your motorcycle so you can get it to your destination, the nearest repairer or place of safety after an incident.Up to $750 -
Emergency travel and accommodation
If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an incident, we’ll cover up to $750 for emergency travel and overnight accommodation.Up to $750 in certain situations -
14 day change of motorcycle cover
When you sell or replace your motorcycle for another one, we’ll cover the new motorcycle for up to 14 days.Transfer cover to a new motorcycle for up to 14 days -
Accidents: other people's property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $20 million -
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $5 million -
Claims handled in South Australia
For your convenience our call centre and claims department are right here in SA.SA local -
$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.No excess to pay in some situations -
Traveller's Benefit
We'll cover up to $750 for transport and accommodation if you're driving your motorcycle more than 100km from home and unexpectedly you become seriously ill or injured.Up to $750 -
Choice of repairer
You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.Choose from our network of repairers -
Replacement parts
We'll ensure the use of appropriate new or used parts, consistent with the age and condition of your vehicle.Use appropriate parts -
Taxi home
We’ll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your motorcycle is stolen or isn't rideable as a result of the incident.Up to $150 -
Flexible excess options
Options available to suit your needs.
Choice of excess
Third Party Property Insurance benefits
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1
Accidents: other people's property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $20 million -
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $5 million -
1
Uninsured motorist extension
We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.Up to $3,000 -
1
$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.No excess to pay in some situations -
14 day change of motorcycle
When you sell or replace your motorcycle for another one, we'll cover the new motorcycle for up to 14 days.Transfer cover to a new motorcycle for up to 14 days -
Flexible excess options
Options available to suit your needs.Choice of excess -
Claims handled in South Australia
For your convenience our call centre and claims department are right here in SA.SA local
Third Party Property Insurance benefits
Use the drop-down menus to compare options
VS
-
1
Accidents: other people's property (Legal liability and costs)
You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $20 million -
1
Accidents: other people (Legal liability and costs)
You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).Legal liability up to $5 million -
1
Uninsured motorist extension
We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.Up to $3,000 -
1
$0 excess if you're not at fault
You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.No excess to pay in some situations -
14 day change of motorcycle
When you sell or replace your motorcycle for another one, we'll cover the new motorcycle for up to 14 days.Transfer cover to a new motorcycle for up to 14 days -
Flexible excess options
Options available to suit your needs.Choice of excess -
Claims handled in South Australia
For your convenience our call centre and claims department are right here in SA.SA local
Why choose Motorcycle Insurance with RAA?
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10% multi policy discount
We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name. Discounts do not apply to optional benefits or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy. -
Pay monthly at no extra cost
You can choose to pay monthly or annually, with no additional cost if you choose to pay by the month. -
We're SA locals
We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products.
We're here to help
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Call us
Monday to Friday, 8am to 6pm Saturday, 9am to 12pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Help centre
Access important documents and more
Things you should know
The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions. Find out how we support our vulnerable members.