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Motorcycle Insurance.

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Your motorbike and the adventures it takes you on are unique to you. Whether it’s riding through winding mountain roads, heading along the coast or just heading to work, your motorcycle makes it possible. So, consider covering it with Youi. Get in touch to start a quote, or select the type of motorcycle insurance you're looking for below.

Why choose Youi?

Along with providing quality motorcycle cover backed by quality service, wherever possible, we try to make things easier for you. Whether it's managing your policy, getting in touch with us or making a claim, we want your Youi experience to be a great one.

What type of cover could be right for you?

At Youi, we like to make the wording of our policies crystal clear, so you know exactly what is (and isn’t) included. Here, we’ve provided summaries of our coverage levels for motorcycle insurance, to help you choose. To see how much your cover might cost with Youi, just start a quote.

Man riding Harley Davidson

You love it. Make sure you cover it.

Changes, like getting a new motorcycle, are part of life. When they happen, think Youi. We’re an insurer that’s all about you and where your life’s at right now. Try us today and see what you could save.

Take a closer look at our policies.

We like to make it easy for you to see what’s on offer in our Comprehensive, Third Party Fire & Theft, and Third Party Property Only motorcycle insurance policies.

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

Need a little more cover? Have a look at our options.

We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard motorcycle insurance policy inclusions, we offer a suite of optional covers. Not all options are available in all circumstances, just ask us and we will see if we can help.

Personal items and riding gear

If you have Comprehensive or Third Party Fire & Theft cover, you have the option of adding this to your policy. It upgrades from the standard riding gear cover up to a maximum of $5,000 per claim, and it includes up to $1,000 of cover per item for your personal items as well.18

Motorcycle trailer

If you choose this optional extra with your Comprehensive or Third Party Fire & Theft policy, we’ll provide up to $5,000 of cover for your motorcycle trailer.18

Hire car

If you have this optional cover, the cost of a compact hire car (rather than a motorcycle) will be covered for a period of up to 14 days if your bike is out of action following an insured event.18 

Note: Hire Car Following a Not at Fault Accident is already included as standard with Comprehensive cover. 

If you have Comprehensive or Third Party Fire & Theft cover, you have the option of adding this to your policy. It upgrades from the standard riding gear cover up to a maximum of $5,000 per claim, and it includes up to $1,000 of cover per item for your personal items as well.18

If you choose this optional extra with your Comprehensive or Third Party Fire & Theft policy, we’ll provide up to $5,000 of cover for your motorcycle trailer.18

If you have this optional cover, the cost of a compact hire car (rather than a motorcycle) will be covered for a period of up to 14 days if your bike is out of action following an insured event.18 

Note: Hire Car Following a Not at Fault Accident is already included as standard with Comprehensive cover. 

What you’ll need to get a motorcycle insurance quote.

Your motorcycle's details

We’ll need to know the make, model, engine size and year of your motorcycle to make sure your policy and premium are accurate.

What you use the motorcycle for

Is your pride and joy used for business or pleasure? Let us know as this can affect your premium.

Contact and rider details

We’ll need some basic contact info, including your type of licence, as well as some details about your riding history.

Other riders’ details

If other people will be riding your motorcycle, you can add them as listed riders by providing info such as their name and riding history.

Where your motorcycle is usually parked

Let us know whether you park your motorcycle on the street, in a carport, in a garage or at another location as this could also affect your insurance premium.

We’ll need to know the make, model, engine size and year of your motorcycle to make sure your policy and premium are accurate.

Is your pride and joy used for business or pleasure? Let us know as this can affect your premium.

We’ll need some basic contact info, including your type of licence, as well as some details about your riding history.

If other people will be riding your motorcycle, you can add them as listed riders by providing info such as their name and riding history.

Let us know whether you park your motorcycle on the street, in a carport, in a garage or at another location as this could also affect your insurance premium.

Find out what cover we offer in your state.

Select your state or territory to learn about the type of motorcycle insurance cover we offer where you live.

Motorcycle insurance in NSW

All motorcyclists need Compulsory Third Party (CTP) insurance to be able to ride on NSW roads.10 This type of insurance will protect you from the financial impact of causing injury or death to others as the result of an accident. You can purchase CTP directly from a licensed insurer or through a variety of agents and outlets and online. Youi offers CTP insurance for riders in NSW. 

From there, you can choose a motorbike insurance option to suit your personal situation. Youi offers three levels: Comprehensive, Third Party Fire & Theft, and Third Party Property Only.

An image of Sydney harbour

Motorcycle insurance in QLD

If you want to ride a motorcycle on QLD roads, you’ll need Compulsory Third Party (CTP) insurance, which will protect you financially if you have an accident that causes injury or death to others.11 You can purchase CTP at the same time as your motorcycle’s registration. 

Once you’ve sorted out your CTP insurance, you can choose from Youi’s range of coverage options, which includes Comprehensive, Third Party Fire & Theft, and Third Party Property Only.  

An image of the Gold Coast coastline

Motorcycle insurance in VIC 

In VIC, Compulsory Third Party (CTP, or Transport Accident Charge) insurance is included in your motorcycle’s registration fee. This charge is used to pay for support services and treatment for people injured in road accidents.12  

From there, it’s up to you which level of insurance you’d like to add to keep your motorcycle covered. Youi offers three options: Comprehensive, Third Party Fire & Theft, and Third Party Property Only.

An image of the Great Ocean Road

Motorcycle insurance in WA

Mandatory for motorcyclists in WA, Compulsory Third Party (CTP) insurance is included in your motorcycle’s registration fee and protects you from the financial impact of causing injury or death to other people as the result of an accident where you’re at fault.13  

On top of this, you can choose to add Youi’s Comprehensive, Third Party Fire & Theft, and Third Party Property Only insurance options.

The Elizabeth Quay Bridge in Perth

Motorcycle insurance in SA

To protect you from the financial impact of causing injury or death to others as the result of a road accident, Compulsory Third Party (CTP) insurance is mandatory for motorcyclists in SA.14 You can purchase CTP at the same time as your motorcycle’s registration. Youi offers CTP insurance for riders in South Australia, and you can nominate us as your future SA CTP insurer anytime via EzyReg. 

From there, you can choose to take out Comprehensive, Third Party Fire & Theft, and Third Party Property Only insurance, depending on your needs.  

A vineyard at sunset in South Australia.

Motorcycle insurance in ACT

In the ACT, Motor Accident Injury (MAI) insurance is the equivalent to most other states’ Compulsory Third Party (CTP) insurance. It’s mandatory for every motorcyclist to have MAI insurance to ride on ACT roads.15 You can purchase MAI insurance at the same time as your motorcycle’s registration. 

On top of this, you can choose a level of additional coverage that suits your needs. Youi offers three options: Comprehensive, Third Party Fire & Theft, and Third Party Property Only

An image of Parliament House in Canberra.

Motorcycle insurance in TAS

In TAS, it’s mandatory for motorcycle riders to have Compulsory Third Party (CTP) insurance, which is handled by the Motor Accidents Insurance Board (MAIB) and is included in your motorcycle’s registration fee.16 This protects you from the financial impact of causing injury or death to others as the result of a motor accident where you’re at fault. 

Once you’ve sorted out your CTP insurance, you can choose a level of additional coverage that suits your needs. Youi offers three options: Comprehensive, Third Party Fire & Theft, and Third Party Property Only

A road overlooking The Nut in Tasmania.

Motorcycle insurance FAQs

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

VIEW THE PDS

When you choose Comprehensive or Third Party Fire & Theft cover for your motorcycle, you can choose whether you want the Market Value or an Agreed Value.

Whether or not you use your motorcycle for business purposes is something we will determine by asking you relevant questions during the quote process. Should we accept cover, your policy schedule will show that your cover extends to business use. You are always covered for private and domestic purposes. 

Up to $1,000 per claim for damage to helmets and riding gear which belong to the rider are covered if damaged in an insured event (other than theft, unless they are stored in a secured storage compartment).6 This cover is included with our Comprehensive and Third Party Fire & Theft policies. If you have Comprehensive or Third Party Fire & Theft cover, you also have the option of upgrading from the standard riding gear cover up to a maximum of $5,000 per claim, which includes up to $1,000 of cover per item for your personal items as well.18 

There are lots of different styles of motorcycles that we cover at Youi – from scooters to sports bikes and cafe racers. The make of motorbike that has the lowest average annual insurance premium with Youi is Peugeot, at around $298 per year. 

 

How we calculated the number above 

  • The information displayed is based on Youi internal data for Comprehensive policies sold for that motorcycle make between 30 March 2022 and 29 March 2023. 
  • To improve how useful our data is, we only calculate our average premiums on makes where Youi data is available on at least 10 sold Comprehensive policies for that make.
  • As you would expect, we get some higher or lower premiums based on different risk ratings, so any indicative figure does not represent all Youi customers.  
  • Premiums and offers to insure are subject to rating & underwriting, and your own individual circumstances.

The year your bike was manufactured can have an impact on your insurance costs. This is because motorcycle insurance premiums are calculated based on, among other things, how much it would cost to repair or replace your bike.  

To get the most accurate info about keeping your motorcycle covered, start a quote today.

Your age and the number of years you’ve held a motorcycle licence will both be considered when you start a quote with Youi. This is because younger riders are typically more likely to be involved in accidents, which is why the insurance premiums for teens and young adults tend to be higher.17 

Any valid motorcycle licence which complies with Australian law is acceptable.

You can add hire car cover to your policy. The hired vehicle will be a car rather than a motorcycle and there are terms and conditions which apply.
Please note: this option is not available for Third Party Property Only policies.

If your motorcycle requires emergency repairs or towing (including storage) as the result of any insured event, we cover the reasonable costs involved when you have Comprehensive or Third Party Fire and Theft cover.

If necessary, we also pay the costs of emergency accommodation and/or transport following an incident if we agree to pay your claim.

Similar to our driver policy for car insurance, any rider can use your motorcycle. We classify riders as:

Regular Rider
The regular driver is whoever rides the motorcycle most frequently. There can only be one regular rider and they are noted as such on the policy schedule.

Listed Riders
A Listed rider is someone who you have told us about and who is noted on the policy schedule. These riders use your motorcycle less often than the regular rider as described above.

Unlisted Riders
These are people who are not listed on the policy but who could occasionally ride your motorcycle. An unlisted rider excess applies if the rider is not listed and you need to make a claim. In some circumstances, we may not cover unlisted riders – we will tell you if this is the case.

Some other people who might ride your motorcycle:

Learner Riders
Learner riders are covered provided they have a valid licence. There isn’t any cover however if any form of payment is received for teaching someone to ride.

Test Riding
If a potential buyer requests to test ride the motorcycle, you will need to ensure that the motorcycle is kept safe.

Service Providers
When the motorcycle is under the care of a service provider we will extend cover to employees of that business who operate the motorcycle as part of their service. This includes valet parking, cleaning or a licensed automotive workshop.

When we nominate and authorise the repairer to carry out repairs to your motorcycle, we will guarantee the repair quality for however long you own it.

Your motorcycle will be replaced with a new one (or we will pay the replacement cost) if within 2 years of you first purchasing it new, the motorcycle is a total loss.

An excess payment is made when you make a claim. The following excesses may apply to your claim and will be shown on your policy schedule:

Basic Excess
The first amount payable by you on any claim

Additional Excess
In some circumstances an additional excess may be applied to your claim.

Unlisted Rider Excess
If the motorcycle was ridden by a rider who is not noted on the policy schedule (and who is not otherwise excluded) and additional Unlisted Rider Excess will apply.

One Excess
When you have more than one policy with Youi, you will only pay one excess if you lodge a claim for damage that occurs at the same place arising from the same single event.

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.

Don’t just take our word for it.

People are leaving reviews for us in lots of places. See what they have to say.

Disclaimers 

1 Available with Comprehensive policies, some limits and fees may apply. For more details, see the PDS
2 Based on averages for call times to Customer Services between 01/10/2022 and 30/09/2023, excluding calls to 13 11 17 and Youi Roadside Assist.
3 Where a repair is completed by an authorised Youi repairer, Youi guarantees the quality of the repair for as long as you remain the owner of the item. 
4 Available with Comprehensive policies. For more details, see the PDS
5 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). For more details, see the PDS
6 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS
7 Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
8 If your motorcycle’s unsafe to ride 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
9 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). Limits apply. For more details, see the PDS
10 Source: NSW Government, Green Slip
11 Source: Motor Accident Insurance Commission, About CTP insurance.  
12 Source: VIC Government, TAC
13 Source: Insurance Commission of Western Australia – Compulsory Third Party
14 Source: SA Government: About CTP insurance.  
15 Source: Motor Accident Injuries Commission – Your MAI insurance
16 Source: TAS Government, MAIB
17 Source: Transport Accident Commission.  
18 An additional cost applies and is available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
19 Available with Comprehensive and Third Party Fire & Theft policies. Riding gear is only covered for theft while stored in a secured storage compartment on the motorcycle or motorcycle trailer. For more details, see the PDS