Person on a motorbike riding down a street.

Third Party
motorcycle insurance

Even if you’re an experienced rider, accidents can happen. So, it might be worth considering our Third Party Property Only or Third Party Fire & Theft motorcycle insurance to keep you and your bike protected. Get in touch, start a quote online or select the type of Third Party motorcycle insurance you're looking for below.

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Why choose Youi?

We help reduce the hassle of keeping your motorcycle covered by providing quality service and information in language that’s easy to understand. Let us help take care of the motorbike insurance, so you can focus on enjoying the ride.

Legal liability

Our Third Party motorcycle insurance policies have you covered for up to $20 million in legal liability if your motorcycle causes damage to someone else’s property.1

Flexible excess

You can choose to adjust your motorcycle insurance excess to a level that works for you and your finances.

Counselling services

Up to $1,500 per person for counselling services for you, listed riders and household members after an incident where a claim has been accepted.1

Third Party motorcycle insurance that helps keep you protected

Here at Youi, we’re all about giving you the information you need to choose the cover that works for you. Our Third Party motorbike insurance options can help protect you from big bills if your motorcycle causes damage to someone else’s vehicle or property.

Take a closer look at our Third Party policies

Youi offers two levels of Third Party motorcycle insurance: Third Party Property Only, and Third Party Fire & Theft. If you’d like our highest level of coverage, choose Youi Comprehensive motorcycle insurance.

For more details on our Third Party motorcycle insurance, see the Product Disclosure Statement.

Compare motorcycle insurance policies.

Youi’s Third Party Fire & Theft and Third Party Property Only motorcycle insurance gives you access to a range of features and inclusions to help keep you covered. 

Comprehensive
Third Party Fire & Theft
Third Party Property Only
Covered
Optional
Not Covered

What's excluded?

At Youi, we like to make it nice and clear what is – and isn’t – included in our policies. Here are some of the things that are not included in our Third Party motorcycle policies, but do come with our Comprehensive cover.8

Roadside assistance

If you have a Third Party Property Only or Third Party Fire & Theft policy, you won’t have access to Youi Roadside Assist if your motorcycle breaks down.

Accidental damage

Under our Third Party Property Only and Third Party Fire & Theft policies, if someone else causes damage to your motorcycle, the cost of repairing or replacing your motorcycle won’t be covered (except under Uninsured Third Party). 

Intentional damage

If you have a Third Party Property Only or Third Party Fire & Theft motorcycle insurance policy, you won’t be covered for the repair and replacement of your motorcycle if it is damaged intentionally.

Storm or flood

Under our Third Party Property Only and Third Party Fire & Theft policies, you won’t be covered for storms or floods, including hail damage.

Funeral expenses

If a rider of your motorbike sustains a fatal injury as a result of an accident, you won’t be covered for their funeral expenses under our Third Party Property Only and Third Party Fire & Theft policies.

If you have a Third Party Property Only or Third Party Fire & Theft policy, you won’t have access to Youi Roadside Assist if your motorcycle breaks down.

Under our Third Party Property Only and Third Party Fire & Theft policies, if someone else causes damage to your motorcycle, the cost of repairing or replacing your motorcycle won’t be covered (except under Uninsured Third Party). 

If you have a Third Party Property Only or Third Party Fire & Theft motorcycle insurance policy, you won’t be covered for the repair and replacement of your motorcycle if it is damaged intentionally.

Under our Third Party Property Only and Third Party Fire & Theft policies, you won’t be covered for storms or floods, including hail damage.

If a rider of your motorbike sustains a fatal injury as a result of an accident, you won’t be covered for their funeral expenses under our Third Party Property Only and Third Party Fire & Theft policies.

What you’ll need to get a motorcycle insurance quote

The details of your motorcycle

To make sure your policy and premium are accurate and suitable for your needs, we’ll need to know the make, model, engine size and year of your motorcycle.

Personal or business use? 

Let us know if your motorcycle will be used for business purposes, or personal use. This can affect your premium.

Rider details 

If you’re the main rider of your motorcycle, we’ll need your contact info, details about your riding history, and your licence type.

Other riders’ details

It’s important that you let us know if anyone else will be riding your motorcycle, so we can add them as a listed rider if necessary.

Parking address

We’ll need to know whether your motorcycle will be parked on the street, inside a locked garage, or at another location, because this could affect your premium.

To make sure your policy and premium are accurate and suitable for your needs, we’ll need to know the make, model, engine size and year of your motorcycle.

Let us know if your motorcycle will be used for business purposes, or personal use. This can affect your premium.

If you’re the main rider of your motorcycle, we’ll need your contact info, details about your riding history, and your licence type.

It’s important that you let us know if anyone else will be riding your motorcycle, so we can add them as a listed rider if necessary.

We’ll need to know whether your motorcycle will be parked on the street, inside a locked garage, or at another location, because this could affect your premium.

Motorcycle insurance FAQs

Have questions about motorcycle insurance? You might find the answers here.

VIEW THE PDS

Below, we’ve listed the standard and optional product features that are applicable to our Third Party Property Only and Third Party Fire & Theft motorcycle insurance policies. This does not replace or vary our Product Disclosure Statement (PDS), so please read the entire PDS for details of features and benefits.

With our Third Party Property Only motorcycle insurance, you’re covered for7:

  • Legal liability
  • Temporary replacement cover
  • Counselling services

Our Third Party Fire & Theft motorcycle insurance covers you for4:

  • Fire
  • Theft
  • Legal liability
  • Towing costs
  • Personal transport
  • Emergency accommodation, transport and repairs
  • Locks and Keys
  • Personalised registration plate
  • Riding gear
  • Temporary replacement cover
  • Counselling services
  • Hire car (optional)3
  • Motorcycle trailer (optional)3
  • Personal items and riding gear upgrade (optional)3

If you’d like to see how our Comprehensive motorcycle insurance compares to our Third Party policies, take a look at the comparison table on our main motorcycle insurance page.

Below we’ve listed the standard and optional product features that are applicable to our Comprehensive motorcycle insurance policies:

  • Accidental damage
  • Intentional damage
  • Storm, hail or flood
  • Earthquake
  • Personal transport
  • Hire car following a not at fault accident
  • Funeral expenses
  • Youi Roadside Assist
  • Hire car (optional)3
  • Motorcycle trailer (optional)3
  • Personal items and riding gear upgrade (optional)3

This information does not replace or vary our Product Disclosure Statement (PDS), so please read the entire PDS for details of features and benefits.

For the most detailed info about keeping your motorbike covered, start a quote.

There are key differences between our Third Party Property Only and Third Party Fire & Theft motorcycle insurance policies. They both cover your legal liability up to $20 million per claim if your motorcycle damages someone else’s vehicle or property. They also both provide temporary replacement cover for your new motorcycle up to 14 days, and up to $1,500 per person, including you, listed riders and household members, for counselling services following a claim.

However, our Third Party Fire & Theft policy provides a wider range of features, including coverage from fire and theft.  

To learn about all of the features and benefits of our Third Party motorcycle insurance policies, please read the PDS or start a quote with us today.

Whether it’s worth getting Third Party Fire & Theft motorcycle insurance will depend on your own needs, situation and location. 

If you live in a neighbourhood with a fairly high crime rate or in an area with a high Bushfire Attack Level (BAL) rating, then taking out Third Party Fire & Theft motorcycle insurance could be a very wise idea. 

Need more info about Third Party motorbike insurance? Start a quote with us today.

VIEW THE PDS

Guides 

Looking for more information? Catch up on our latest guides to navigate your motorbike insurance needs and answer some commonly-asked questions.

Disclaimers 

1 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). For more details, see the PDS
2 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS
3 An additional cost applies and is available as optional cover with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS.  
4 Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
5 If your motorcycle’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS
6 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies. For more details, see the PDS
7 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). Limits apply, see the PDS
8 Available with Comprehensive policies, some limits and fees may apply. For more details, see the PDS.