Motorbikes And Scooters

If you own a motorcycle or scooter, you can look for policies that cover the loss or damage of your motorcycle, as well as motorcycle clothes (such as bike leathers and helmets), damage to other cars and property, and liabilities.

These are reasonably comparable to the insurance options offered for cars and other private motor vehicles:

⟩⟩ Every state and territory requires personal injury insurance in the event of a motor vehicle collision. It is not a replacement for purchasing insurance to cover your financial obligations.

⟩⟩ Comprehensive coverage normally includes storm, flood, and fire damage to your bike, as well as damage to your protective gear, damage to other people's property, and other dangers, as well as legal fees. Accidental damage is occasionally covered as well.

⟩⟩ Damage to other people's property and legal costs are covered by third-party insurance, but not for your bike.

⟩⟩ Third-Party Fire and Theft — A third-party policy with some optional features and coverage up to a certain maximum.


If you take long journeys on your motorcycle or scooter, some insurers will provide services like emergency lodging if you are stuck a certain distance from home due to an accident, as well as travel expenditures to return home if your bike is unable to be driven.

It's also possible to receive coverage for the expense of transporting a damaged motorcycle, hiring a car after an accident, and even paying for damage to a trailer used to transport your motorcycle.

Any legal changes you want your insurance policy to cover should be included in the proposal. For young or inexperienced riders, most insurance companies will charge a larger excess.

You May Be Eligible For A Premium Discount If You Finish An Approved Rider Training Course.