Motorcycle Insurance
Comprehensive Motorcycle Insurance covers your motorcycle for things such as accidental damage, collision or crash, fire, flood, storm, theft or attempted theft, vandalism or a malicious act.
CGU also covers any licensed rider who rides your motorcycle, even if they're not listed on your policy1.
What’s included
- Collision or crash
- Accidental damage
- Theft or attempted theft
- Vandalism
- Storm
- Fire
- Flood
- Earthquake
- Emergency repairs (up to $800) after a covered incident
- 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) after a covered incident
- Helmet replacement after a covered incident.
- Tsunami
Optional Covers
- Hire car up to $75 a day for up to 21 days.
- Protective clothing.
What you need to know
1 Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Whether you’re a motorcycle enthusiast, commuter or a weekend rider, with Motorcycle Insurance from Australian Military Bank you can relax knowing that your motorcycle is covered should the worst happen.
Simple
Claims
Affordable
premiums
Range
of options
Overview
Comprehensive Motorcycle Insurance covers your motorcycle for things such as accidental damage, collision or crash, fire, flood, storm, theft or attempted theft, vandalism or a malicious act.
CGU also covers any licensed rider who rides your motorcycle, even if they're not listed on your policy1.
What’s included
- Collision or crash
- Accidental damage
- Theft or attempted theft
- Vandalism
- Storm
- Fire
- Flood
- Earthquake
- Emergency repairs (up to $800) after a covered incident
- 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) after a covered incident
- Helmet replacement after a covered incident.
- Tsunami
Optional Covers
- Hire car up to $75 a day for up to 21 days.
- Protective clothing.
What you need to know
1 Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Comprehensive
- Protects your own motorcycle plus for accidents you or others cause
- Protects any damage you cause to other vehicles and property
- Cover for theft, storms and other unforeseen events.
Third Party Property Damage
- Cover for damage you cause to other vehicles or property
- Not covered for damage to your own motorcycle
- Cover for your motorcycle up to $5,000 for damage caused by an uninsured motorist.
Third Party Fire and Theft
- Cover for damage you cause to other vehicles or property
- Protection against theft or the burning of your vehicle
- Not covered for damage to your own motorcycle
- Cover for your motorcycle up to $5,000 for damage caused by an uninsured motorist.
Compare
| Features | Comprehensive | Third Party Fire & Theft | Third Party Property Damage |
| Australia-wide Cover | yes | yes | yes |
| Cover for fire, explosion and theft | yes | yes | N/A |
| Accidental damage including collision | yes | N/A | N/A |
| Cover for flood and storm damage | yes | N/A | N/A |
| No Claim Bonus protection (automatic after 2 claim free years on a Rating 1 with us) | yes | N/A | N/A |
| Replacing your Motorcycle after a total loss | Up to 1 year old | N/A | N/A |
| Helmets and protective clothing | Up to $250 | N/A | N/A |
| Emergency repairs after an incident | Up to $500 | N/A | N/A |
| Recoding of locks and barrels after theft of keys | Up to $1000 | Up to $1000 | N/A |
| Choice of repairer | yes | yes | yes |
| Uninsured motorist damage (not at-fault collision with an uninsured motorist) | No limit | Up to $5000 | Up to $5000 |
| Hire vehicle after theft or attempted theft | Up to 14 days | Up to 14 days | N/A |
| $30 million liability cover | yes | yes | yes |
This table is a summary of highlighted features and benefits only.
Please refer to the CGU Motorcycle Insurance Product Disclosure Statement (PDS) and Policy for full terms and conditions.
Questions
Here are our most common questions about our Motorcycle Insurance policies. Have a different question? Call us on 1300 13 23 28 to speak to a consultant.
Will I have to pay an excess if the accident was not my fault?
If it’s agreed that the accident was not your fault and we are provided with all the relevant documentation, you won’t be liable to pay an excess. Refer to the PDS for more information.
How can I make a claim?
Making a claim is simple and easy. Call us on call 132294.
Is my motorcycle covered everywhere in Australia?
Yes, with Motorcycle Insurance you’ll be covered regardless of your location, wherever you are in Australia.
How do I update the details on my policy?
To update the details on your policy, simply call us on 132294.
Do you offer flexible payment options?
Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.
How do I make a claim?
If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.
Do you guarantee repairs?
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the motorcycle.
