Features & Benefits
Motorcycle Apparel Cover
Motorcycle apparel cover is covered when it is accidentally damaged or stolen as a result of an incident giving rise to a claim.
There is no additional cost to include your riding gear and helmet. You and your pillion can claim up to $4000 per incident and $2000 per item.
Replacement Bike Cover
If your motorcycle is written off in the first two years, you will at our option receive a replacement bike; including on road costs, registration & Compulsory Third Party (CTP) insurance or we will pay out the sum insured.
We turn a negative into a positive by getting you back on your new bike ASAP. Some policies may not provide you with enough cover to get you back on the same bike. Sometimes you may have to pay extra to have the same bike and then you're expected to pay all the extras as well.
Agreed Value / Market Value
You can decide which type of cover suits you best. Agreed Value and Market Value policy types are available for most bikes. (Some conditions apply).
Choice is the main benefit here. Most riders prefer one or the other, both cover types offer great value.
- Agreed Value provides peace of mind of knowing exactly what you'll receive in the event of a total loss.
- Market Value means you will receive the true value of your bike at the time your bike is written off. You don't have to predict the value of your bike at some future date.
No Claim Bonus (NCB) / Discount
You can earn up to a 60% reduction in your premium which is the equivalent to a Rating 1. You can also transfer your NCB discount from other insurers for cars and bikes. You may also be entitled to transfer your employer's NCB discount if you regularly drive company vehicles.
A NCB discount recognises your good riding and driving history and rewards you with significant savings. Your NCB discount starts at 20% for the first year and increases each year up to a maximum of 60% at the end of year 5.
No Claim Bonus (NCB)Protection
This benefit allows you to have one at fault claim per year without it having any effect on your hard earned NCB discount.
After being insured for many years earning your NCB discount, it's great to know you have this added benefit. If you have an at fault claim without NCB Protection, you usually have your NCB discount reduced by 2 years.
Club Membership Discount
We recognise that some Clubs are safety conscious and have a great culture, which assists us to identify good riders. We offer members of these clubs a reduced premium.
If you are a member of one of the following clubs, you will receive a discounted premium;
- Ulysses Club
- Harley Owners Group (HOG)
- Ducati Owners Club
- Honda Riders Club of Australia (HRCA)
- Riders Association of Triumph (RAT)
- Motorcycle Riders Association (MRA)
- Motorcycling Australia (MA)
We also recognise that some riders only have one form of transport and use their bike every day, which is fine with us.
Unlike some other insurers, we're flexible and welcome high usage riders.
We allow you to reduce your standard excess or you can increase your excess and receive a discounted premium.
You determine the premium & excess that suits you. Your standard excess will range from $500 to $600 depending on the model of your bike. You can increase or decrease your excess in $50 steps to ensure you get the policy and price that suits you best. The premium decreases as the excess increases and vice versa.
Riding bikes often means riding long distances; this benefit provides extra assistance to pay for emergency travel & accommodation costs.
You will receive up to $500 for emergency accommodation if you have an incident that leaves you stranded more than 100kms from home.
If your bike can't be ridden following an incident, we'll reimburse you up to $500 to return home.
Being involved in an incident usually involves some cost to you. Costs incurred by you to get home will be reimbursed, thereby ensuring costs to you are minimised.
Essential Temporary Repairs
We will pay up to $500 for essential temporary repairs to allow your bike to be ridden after an incident.
You are the person on the spot following an incident and we allow you to decide if some temporary repairs will get you on your way. If so, you are authorised to spend up to $500.
If your bike is damaged we will pay reasonable costs to move it the nearest repairer or place of safety.
You need to protect your bike after an incident and reasonable costs associated with removing it from the scene is covered by us. The is no maximum cost specified as reasonable cost may vary depending on the time and place of the incident.
If you live over 100kms from the place where we authorise your repairs, we will pay reasonable re-delivery costs to a limit of $500.
Riding bikes often means riding long distances; if you have an incident a long way from home, we repair your bike and deliver it to you once the repairs are complete at no cost to you.
There are additional benefits you may not be aware of;
- Hire vehicle following a theft (up to 14 days or $1500)
- Automatic trailer cover (up to $750)
- Locks and Keys Cover ($1500)
Increased value at no cost to you.