The answer to this question depends on a number of variable factors, including your particular needs, situation and location. As our highest level of coverage, our Comprehensive insurance for motorcycles could help protect you from big bills if you have an accident while riding. It also includes 24/7 emergency roadside assistance, which could come in very handy if you break down.3
To find the level of coverage that’s right for your circumstances, start a quote today.
With Youi Comprehensive motorbike insurance, you’ll have our highest level of protection and be covered for damage to your bike, as well as any damage it may cause to other people’s vehicles and property. You’ll also be covered for storms, floods, theft, fire and earthquakes. Plus, you’ll be covered for accidental and intentional damage to your bike, and get our 24/7 roadside assistance included as standard.3
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
- Legal liability
- Towing costs
- Personal transport
- Emergency accommodation, transport and repairs
- Hire car following a not-at-fault accident
- Locks and keys
- Personalised registration plates
- Riding gear
- Temporary replacement cover
- Counselling services
- Funeral expenses
- Youi Roadside Assist
- Hire car (optional)5
- Motorcycle trailer (optional)5
- Personal items and riding gear upgrade (optional)5
This information does not replace or vary our Product Disclosure Statement (PDS), so please read the entire PDS for details of features and benefits.
Your Comprehensive motorcycle insurance will remain valid for the length of time stated in your policy schedule, provided you have not missed a payment. Most Youi customers’ motorcycle insurance policy is valid for 12 months from the date of purchase/commencement. For more information, please read our PDS.
With our Comprehensive motorcycle insurance, some of the exclusions you won’t be covered for include any damage caused by poor or faulty design specifications, materials, planning, or workmanship that you were reasonably aware of. You also won’t be covered if an incident happens outside of your coverage period. We don’t provide cover for incidents caused by, resulting or arising from you or another rider being under the influence of drugs or alcohol, or by you or someone else riding without a valid licence required for the bike. Finally, our Comprehensive motorcycle insurance won’t cover you for damage caused by the climate or weather (such as mould or rot), unless as a direct result of an incident for which we’ve accepted a claim.
For full details on our policy exclusions, read the Product Disclosure Statement.