Motorbike insurance

Bikes and mopeds and scooters, oh my! Doesn’t matter what you ride — or what you aspire to ride — you’ve all got one thing in common: you want the cheapest deal on your bike insurance.

Get informed
Poke around the nooks and crannies of our Motorbike insurance lock-up, for info galore on all things two-wheeled.
Looking for scooter insurance? Find it here…
And with the weather potentially on the turn at any moment, you’re going to want to get your cover sorted in as little time as possible, which is where GoCompare can help.

You’ve got better things to do with your biking time than spend it shopping around for insurance, so let us do the legwork — all you need to get started is your number plate, or the make, year and engine size of your bike.

Types of motorbike insurance
Your motorbike insurance choices fall into three broad categories:

Third party — only covers damage and injury you cause to others
Third party, fire and theft — as above, but covers you if your bike gets nicked or combusts
Fully comprehensive — cover for damage to your bike, as well as third-party damage and injuries
Two’s company
Pillions aren’t usually included as standard — make sure you say whether you’ll carry passengers when you get a quote
Different types of motorbike need different cover too. You can choose what you need from your policy when you get a quote from us, whether that’s insurance for accessories and modifications on your custom cruiser or third-party fire and theft insurance for your very first moped.

Riders of Q-plated motorbikes and quad bikes haven’t been forgotten — you can’t get an online quote with us but we’ll give you details for insurers who might be able to help. Can’t say fairer than that.

Finding cheap motorbike insurance
Loads of things can push up the price of your motorbike insurance, but there’s plenty you can do to keep the cost down too — start by comparing and challenging us to find you a better price.

Take note of the other things that make your motorbike insurance more expensive and think about whether you could get cheaper cover by changing any of these.

Type of bike — big engines and higher horsepower often rev up insurance costs. If you’re born to be mild, a modest motorbike could cut costs
Modifications — anything that changes the appearance or performance of your bike could pump up the price of insurance, while security or safety mods might earn a discount on your premiums
Electric dreams
Gone are the days of impossible to insure electric motorbikes. If you’ve gone green on a leccy bike, fear not! You can still compare all your options for the best battery bike deal
Security — safe bikes make insurers happy, so keeping your motorbike in a locked garage or adding locks and alarms, for example, can mean lower premiums
Riders and pillion — the age, experience and claims history of the riders you’re insuring can affect the premium, as can whether you want to carry a pillion or not
You need to let us know the ins and outs of all of the above to get your insurance quotes, so have it to hand from the get-go.

All the trimmings for you and your bike
Not all motorbike insurance is created equal, so as well as finding all the best motorbike insurance quotes you can see your options for legal assistance, helmet and leathers cover and breakdown cover.

No claims? No problem!
Some insurers may let you transfer a no claims bonus from a car to a bike, or vice-versa, but you’ll need to check this is ok with individual insurers
And if you’re a bit baffled by bike insurance you need to peer into our Motorbike insurance lock-up — it’s rammed full of guides and tips on motorbike towing, sidecar insurance, insurance for riding abroad, learner riders, 125cc bikes, 50cc scooters, imported bikes, modified machines, security, storage and much, much more.
NRMA Comprehensive Motorcycle Insurance provides you with cover for your motorcycle against accidental damage, collision or crash, earthquake, explosion, fire, flood, storm, theft or attempted theft, tsunami, vandalism or a malicious act.

What’s more, our Comprehensive Insurance covers any licensed rider who rides your motorcycle, even if they’re not listed on your policy.*

What’s covered?
For full cover details please read the Product Disclosure Statement and Policy Booklet

Collision or crash
Accidental damage
Theft or attempted theft
Vandalism or a malicious act
Storm
Fire
Flood
Earthquake
Emergency repairs (up to $800)
Hire car after theft or attempted theft up to $75 a day up to 21 days
New for new replacement on bikes written off in their first 2 years
Liability cover (up to $20 million)
Tools of trade up to $1,500 (business use vehicles)
Explosion
Tsunami