Policy Information/Product Features
Buying/renewing/cancelling your policy
Making a Claim
Policy Information/Product Features
How is my Motorcycle Insurance premium calculated?
The amount you pay for insurance depends on many factors including the type of cover
you choose, the type of motorcycle, where it is garaged, the riders of your vehicle,
including their age, driving and insurance record.
What is a no claim discount?
A No Claim Discount / Rating (NCD) is a discount off your premium. It is calculated
based on your insurance or driving record. The discount increases each year to a
set maximum if you do not make a claim that affects your discount.
When do I have to pay an excess?
Excess is the amount you might have to pay when you make a claim. The amount and
types of excess are shown on your Certificate of Insurance. You will not have to
pay an excess if:
- Another vehicle is involved, we agree the rider of your motorcycle was not at fault,
and you can identify the vehicle and the other driver responsible (name, address
and vehicle registration details) or
- No other vehicle is involved, we agree the rider of your motorcycle was not at fault,
and you can identify the person responsible (name and address).
(We request that you provide the day time contact telephone number or mobile phone
number of the other driver or person responsible in order to assist us.)
For more information please read the Motor Vehicle Insurance Product Disclosure
Statement.
What excesses apply to me?
Your certificate of insurance will show the types of excess that you might have
to pay if you claim. Depending on the circumstances, you might have to pay more
than one type of excess when you claim. There are three different types of excess,
- Basic
- Insurance / Driving Record / Vehicle / Fixed excess
- Age/ Learner driver / Inexperienced rider excess
For more information about these excess types please read the Motor Vehicle Insurance
Product Disclosure
Statement (PDF, 173k).
Do I need to list all regular riders on my Motorcycle Insurance?
Yes, it is important to list all the riders of your motorcycle, as it might affect
the premium you pay or our decision to insure you.
Do I need to list learner riders?
No, if you have Comprehensive, Extra Cover or Third party property Damage Motorcycle
Insurance there is no need to list drivers while they are on a learner permit.
Buying/Renewing/Cancelling your policy
How do I pay for my policy?
You can pay your Motorcycle Insurance premiums annually or by the month (a fee applies
to pay by the month). Please see our payment options for more information.
Will my policy renew automatically?
If we are prepared to offer renewal of your policy, we will send you a renewal notice
at least 14 days before the due date. It will show the amount payable, and the date
your payment is due. You must pay your insurance by the due date to ensure cover
is maintained. If you pay your insurance by monthly instalments you do not need
to take any payment action, we will continue to debit your account on the same date
of each month. If you pay your premiums annually please see our payment options for the available methods of payment.
What do I do if my renewal contains incorrect information?
Call us on 13 11 55. It is your responsibility to ensure that your details
are up to date and correct. If you fail to advise us of any change in circumstances
which you know or should know is relevant, we might reduce or refuse to pay a claim,
cancel your policy or if fraud is involved, treat the policy as if it had never
existed.
How can I cancel my policy?
You can cancel your policy at any time by calling us on 13 11 55,
or by sending us your cancellation in writing. The cancellation takes effect on
the date we receive your request.
Do fees apply if I cancel my policy?
If you cancel your cover during the period of insurance we can charge a fee. We
will not charge a fee if:
- You are transferring cover to another motor vehicle policy with us or
- You cancel the cover within the cooling off period or
- We cancel the cover for any reason
Your Product Disclosure
Statement (PDF, 173k) has full details about the cancellation fees that
apply.
Making a Claim
What should I do if I have an accident?
At the scene of the accident:
- Provide assistance to anyone that is injured. Call an Ambulance or Doctor if required.
- Clear the roadway of broken glass and debris if possible.
- Notify the Police if anyone is injured, either your motorcycle or the other vehicle
needs to be towed away or you are unable to provide particulars of the owner. Keep
the details of the Police Officer you spoke to.
- Obtain full details of vehicles involved - drivers' names, addresses, registration
numbers and insurance company details if possible.
- Do not admit fault to anyone.
- Write down names, addresses and telephone numbers of all witnesses.
- If towing is required, you should direct the towing of your vehicle to one of our
Assessment Centres.
- Do everything reasonable to limit and prevent further damage or loss to your vehicle.
After the accident:
- Contact us with full details as soon as possible by contacting our Claims Call Centre
on Suncorp 13 25 24, 24 hours, 7 days a week
- Do not negotiate or promise payment or authorise any repairs without prior consent.
- If you receive any correspondence from any of the other people involved in the accident
(or their insurer/legal representative) notify us immediately and send the correspondence
to us. This correspondence could include a letter of demand or legal documentation.
- Do not take legal action against the other party without our consent.
- Do not dispose of any damaged property, unless we have agreed.
What should I do if my motorcycle is stolen?
- Report the theft to the Police. You must also provide us with the name of the Police
Officer, Station, date reported and any report reference number.
- Contact our Claims Call Centre with the full details on Suncorp 13 25 24,
24 hours, 7 days a week.
Do I need to complete a claim form?
No. Lodging a claim is simple. All you need to do is contact our Claims Call Centre
on 13 25 24 and provide the details for the claim. The claim number and further
instructions will be provided over the phone.
How do I get my motorcycle repaired?
You have a choice to select your own repairer. Your repairer is required fax/email
the quote details to Suncorp. Suncorp will review the quote and authorise the repairs.
We are also able to direct you to one of our Motor Vehicle Assessment Centres. They
are able to arrange an assessment and organise repairs to your motorcycle. Please
call our Claims Call Centre on 13 25 24 for further information.
The benefits of Suncorp motorcycle insurance include:
- For repairs that we authorise we will guarantee the quality of materials and workmanship
for the life of the motorcycle, even if you no longer own it.
- Fast, efficient and reliable service.
Will my No Claim Discount (NCD)/Rating be affected?
Your NCD will be reduced and you will pay a higher premium if:
- We decide the rider of your motorcycle caused or contributed to the event or
- You were not responsible for the event but you can't give us the registration details
of the other vehicle, and name and address of the person responsible for the loss
or damage or
- You have a claim not involving another vehicle and cant give us the name and address
of the person responsible for the loss or damage.
For more information please read the Motor Vehicle Insurance Product Disclosure
Statement.
What should I do if someone makes a claim against me?
- If you receive any letters of demand from other parties (including their insurer
or legal representative) involved in the event, contact our Claims Call Centre on
13 25 24 as soon as possible.
- If you are contacted verbally, advise that you are insured with us and that we will
be looking after their claim. Do not admit fault for the damage/accident and do
not offer or promise to pay for any costs.
- Record as much of the other parties details as possible (names, residential addresses,
phone numbers and vehicle details) as possible.
- Contact our Claims Call Centre on 13 25 24 and advise our consultant
of what has happened. We will assist you throughout the claims process.
Do I have to tell you my Input Tax Credit (ITC) entitlement on my
insurance premium?
Under the GST Act, you must tell us what your entitlement to ITC was for your insurance
premium. If you need more information please contact the ATO on 13 28 66 or www.ato.gov.au.
Why do you deduct ITC entitlement from any direct payments to me?
Under the policy/PDS we are liable to pay you the net cost of your claim. When we
calculate a payment to you for your claim, we can reduce it by any Input Tax Credits
you are, or would be, entitled to receive, as these input tax credits reduce your
net cost.
Who can I discuss my ITC with?
We suggest you contact your Accountant or the ATO on 13 28 66 or www.ato.gov.au
Product Disclosure Statement
Motor Vehicle Insurance is issued by Suncorp Metway Insurance Ltd ABN 83 075 695 966. Please read the Product Disclosure Statement (PDF 173k) before you make any decisions regarding the product. Contact us for a copy.
