Motorcycle Insurance

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

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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
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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
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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)
Get a quote

This is just a summary, for full details of what is and isn't covered please refer to the Motorcycle Insurance Product Disclosure Statement (PDS). The Target Market Determination is also available.

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.

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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).

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Frequently asked questions

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Insights and stories

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Motorcycle Insurance: Is riding gear covered?

With Suncorp Comprehensive and Fire, Theft & Third Party Property Damage Motorcycle Insurance, some accessories and riding gear may be covered.

How do I insure my dirt bike?

Heading off road? If you’re a dirt bike enthusiast, having the right level of cover can provide a little peace of mind if something goes wrong.

Who makes the most motorcycle insurance claims?

Claims data can give us insights into which groups of motorcycle riders have been involved in the most incidents. Knowing how your peers fare can help you be prepared.

Do I need CTP insurance for my motorcycle?

Unsure if you need CTP Insurance for your motorcycle? Read this guide for all the info relevant to your state.

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 insurance. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. Taxes and charges are not discounted. 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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GENERAL INSURANCE

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

General Insurance (including Home Building, Home Contents, Landlord, Strata, Car, CTP, Motorcycle, Caravan, Motorhome, Boat Insurance, Business Insurance and Barristers Insurance) is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance.

SUNCORP HEALTH INSURANCE
Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the policy booklet before buying this insurance.

SUNCORP LIFE INSURANCE
Suncorp Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the Suncorp brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement. The Target Market Determination (TMD) for the product is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.