Buying a car

Motorcycle Insurance: Is riding gear covered?

18 January 2021

Suncorp’s Comprehensive and Fire, Theft & Third Party Property Damage Motorcycle Insurance may cover your riding gear. For coverage purposes, we define riding gear — also referred to as ‘riding apparel’ in the Product Disclosure Statement (PDS) — as protective clothing worn specifically for riding your bike, such as your:

  • motorcycle helmet
  • motorbike gloves
  • riding jacket,
  • pants, and
  • boots, plus
  • any other protective gear like body armour and knee guards.

Similarly, any motorcycle accessories that don’t enhance the performance or change the structure of your bike, such as saddle bags, are covered to their market value if you’ve told us about them and they’re listed on your certificate of insurance.

FYI, Motorcycle Insurance coverage only applies to the private use of your bike. Private use means it’s not used in connection with earning an income, such as via racing. However, you can still ride it to and from work and remain covered.

What does Comprehensive Motorcycle Insurance cover?

As the name suggests, this is our most comprehensive coverage. It provides cover for a range of things, including:

  • the market value of motorcycle accessories we know about, and
  • riding gear that’s stolen from a secure storage compartment on your bike, or damaged in an insured event like a collision or fire. That includes both your riding gear, and the riding gear of a person riding on your spare seat, up to a total of $1,000.

This policy doesn’t include:

  • general, non-protective clothing
  • wear and tear or damage to your riding gear as a result of normal use, or
  • your riding gear when its away from your bike.

Home & Contents Insurance with personal valuables cover may help with these scenarios. What’s more, when you take out three or more eligible insurance policies with Suncorp Insurance, we’ll reward you with a 15%* multi-policy discount.

What does Fire, Theft & Third Party Property Damage Motorcycle Insurance cover?

One key difference between Comprehensive Motorcycle Insurance cover and Fire, Theft & Third Party Property Damage Motorcycle Insurance is that the latter doesn’t cover your riding gear if it’s damaged in a collision.

So, if you came off your bike and ripped your protective jacket, it wouldn’t be insured under Fire, Theft & Third Party. However, if someone broke into the secure storage compartment on your bike and stole your helmet, it would be.

It also provides liability coverage for loss or damage to someone else’s vehicle or property, and accidental loss or damage to your bike as a result of fire and theft.

What does Third Party Property Damage Motorcycle Insurance cover?

Third Party Property Damage Motorcycle Insurance only covers damage to other people’s vehicles and property that you might be liable for after an accident. So your riding gear (and your bike!) won’t be covered.

If you’re born to be wild, you may want to consider Motorcycle Insurance for the confidence of knowing you can get back on the road quickly if the unexpected happens.

Get a Motorcycle Insurance quote today

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*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. Discount does 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.

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the relevant Product Disclosure Statement before buying this insurance. Target Market Determination also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.