Comprehensive Motorcycle Insurance

Own a bike you really love? Protect it with our highest level of motorcycle cover

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Want to save up to 10%?

Buy your Comprehensive Motorcycle Insurance online and we'll automatically apply the discount. You'll save up to 10% on your first year's premium3.

Our Comprehensive Motorcycle Insurance covers your motorcycle for things such as accidental damage, collision or crash, fire, flood, storm, theft or attempted theft, vandalism or a malicious act.

We’ll also cover any licensed rider who rides your motorcycle, even if they're not listed on your policy1.

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Emergency repairs (up to $800) after a covered incident
  • New for new replacement on bikes written off in their first 2 years
  • Liability cover (up to $20 million)
  • Tools of trade up to $1,500 (business use vehicles) after a covered incident
  • Helmet replacement after a covered incident
  • Tsunami

Optional covers

  • Hire car up to $75 a day for up to 21 days
  • Protective clothing

For full cover details including limits, conditions and exclusions, please read the Product Disclosure Statement and Policy Booklet.

Important documents

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Why choose NRMA Insurance?

  • We cover any licensed rider who rides your motorcycle1
  • Automatic cover for certain modifications, options and accessories2
  • Save up to 10% on your first year when you get your motorcycle insurance online3
  • Lifetime guarantee for the workmanship of all authorised repairs, for as long as you own the motorcycle
  • We've been insuring Australians for over 90 years

Things you should know

  1. Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.

  2. Excluding increased motor performance above manufacturer specifications. On agreed value policies, cover is limited to the agreed value. Motorcycles/scooters must be roadworthy and registrable.

  3. See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.