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Motorcycle Insurance

Coverage that keeps you moving.


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Three levels of cover available. Choose the one that's right for you.

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On the road a lot? You could save on petrol.

Eligible Suncorp Insurance customers enjoy everyday savings on food, entertainment and more with Suncorp Benefits — including 5% off eGift cards for Caltex.

What is Motorcycle Insurance?

Motorcycle Insurance helps cover costs you might be liable for after an incident on the road. It helps cover damage to other people’s vehicles and property caused by the use of your motorcycle, and — depending on the type of cover you choose — to your own bike, as well.

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Choose from 3 levels of cover

Comprehensive

Top Cover

Get the broadest coverage we offer with cover for your bike, damage to other vehicles, and more.

Lifetime Repair Guarantee

For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of the motorcycle.

Hire car after theft

If we cover the theft of your motorcycle, we’ll cover the reasonable cost of a hire car that meets your transport needs for up to 21 days. Read the PDS for full details.


What's included:

  • Up to $20 million cover for liability to pay compensation for loss or damage to other people’s vehicles and property caused by the use of your bike
  • Cover for accidental loss of, or damage to, your motorcycle due to events like theft, collision, storm, fire and impact, up to your amount covered
  • New motorcycle after a write-off or theft if your bike is less than 2 years old and you’re the first owner1
  • Repair or replacement of your riding apparel if it’s stolen or damaged (up to $2,000)
  • Lifetime Repair Guarantee
  • Hire car after theft up to 21 days

Fire, Theft & Third Party Property Damage

Get the benefits of Third Party Property Damage — plus cover if your own bike is damaged by fire or theft only.

Lifetime Repair Guarantee

For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of the motorcycle.

Hire car after theft

If we cover the theft of your motorcycle, we’ll cover the reasonable cost of a hire car that meets your transport needs for up to 21 days. Read the PDS for full details.


What's included:

  • Up to $20 million cover to pay compensation for loss or damage caused by the use of your bike to other people’s vehicles and property for which you’re liable
  • Cover for accidental loss of, or damage to, your motorcycle due to fire or theft, up to your amount covered shown on your certificate of insurance
  • Repair or replacement of your riding apparel if it’s damaged by fire or stolen (up to $2,000)
  • Lifetime Repair Guarantee
  • Hire car after theft up to 21 days

Third Party Property Damage

Help cover yourself from huge damage bills with cover for other people’s property caused by the use of your bike.

Damage by at-fault uninsured drivers

Cover for the reasonable costs of repairs up to $5,000, if you provide us with the name, address of the at-fault driver and registration number of their vehicle.


What's included:

  • Up to $20 million cover for liability to pay compensation for loss or damage to other people’s vehicles and property caused by the use of your bike
  • Damage by at-fault uninsured drivers (up to $5,000)

This is a summary only. For full details of what is and isn't covered, please read the Product Disclosure Statement (PDS).

For riders in QLD

QLD

Before you can register your bike you'll need CTP.

Suncorp CTP Insurance

The CTP Insurance that protects more Queensland families

If you’re at fault in an accident that injures other road users — including passengers, pedestrians, cyclists and other drivers — the resulting costs can be crippling. CTP Insurance helps to cover those costs.

Find out more

Enjoy Suncorp Benefits with your policy

Eligible Suncorp Insurance customers could save up to 15% with great deals at major retailers.

Discounts on everyday items

Save on groceries, petrol, entertainment, clothing and more.

Savings on bigger purchases

Get great discounts on travel, furniture, electronics and more.

Instant access to rewards

Just tap your reward on your phone, then use it instantly!

Ways to save on your premium

 

No claim bonus (Comprehensive cover only)

We recognise your good claims history with us with reduced premiums.

 

Multi policy discount#

Combine any 3 or more eligible policies and get 15% off.

 

Flexible excess

If you increase your standard excess you can save on your premium.(Comprehensive cover only)

If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply.

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Frequently asked questions

Insights and stories

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This content applies to policies with a start or renewal date on or after 25 March 2021.

1 Your motorcycle becomes a total loss if it is uneconomical or unsafe to repair, and the combined repair costs and salvage value are likely to be more than the amount covered by your insurance policy. If you have Comprehensive cover and your motorcycle is a total loss (which includes where your motorcycle is stolen and unrecovered after 14 days and we accept your claim for theft), is less than 2 years old and you're the first registered owner, we'll replace it with a new one of the same or similar make and model.

15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Refer to the relevant motor or home Additional Information Guide for more details. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. View full terms and conditions.

Damage by at-fault uninsured drivers

Cover for the reasonable costs of repairs up to $5,000, if you provide us with the name, address of the at-fault driver and registration number of their vehicle.

Hire car after theft

If we cover the theft of your motorcycle, we’ll cover the reasonable cost of a hire car that meets your transport needs for up to 21 days. Read the PDS for full details.

Lifetime Repair Guarantee

For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of the motorcycle.

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