Motorcycle insurance updates

We’ve been busy making updates to our motorcycle insurance cover to help make things a little clearer for you.

See what's changed

This table is a guide and lists the main changes to the Motorcycle Insurance Product Disclosure Statement (PDS). The information in the table does not replace or vary our PDS so please read the entire PDS for details of features and benefits and to ensure that this product is right for you.


Cover types

Comp: Comprehensive 
TPFT: Third Party Fire & Theft
TPPO: Third Party Property Only  

PDS section Cover Page # Update type Change in the PDS PDS Effective Date
Important Information 3 - 12
Your responsibilities: 2. Notify us of any changes
7 Clarification You must notify us as soon as practically possible if any of the specified changes listed under ‘Notify us of any changes’ occur. 05 Jul 2023
Your responsibilities: 9. Treat our people with respect
8 Clarification If this requirement is not met, we can cancel any policy you have with us and, where relevant, we can remove you as an authorised person from any other Youi policy. 05 Jul 2023
About your cover 13 - 22
13 Reduction Cover removed from Third Party, Fire and Theft policies only. Earthquake cover still applies to Comprehensive policies. 05 Jul 2023
Personal Transport
14 Benefit New cover added to Comprehensive and Third Party, Fire and Theft policies. 05 Jul 2023
Hire Car Following a Not at Fault Accident
15 Benefit New cover added to Comprehensive policies. 05 Jul 2023
Uninsured Third Party
15 - 16 Clarification Third Party, Fire and Theft and Third Party Property Only policies: Cover relies on you providing us with the third party’s name, phone number, and other information. If you are unable to obtain the third party details due to the circumstances of the incident, please contact us. 05 Jul 2023
Temporary Replacement Cover
15 - 16 Benefit All policies: Removed the additional $1,000 excess payable if you made a claim during the 14 days after you sold or gave away the motorcycle, if you had not informed us of the replacement motorcycle. 05 Jul 2023
Youi Roadside Assist
17 Clarification Comprehensive policies: The full terms, including the limitations and exclusions, have been removed from the PDS and are now a separate document Youi Roadside Assist Terms and Conditions. 05 Jul 2023
Hire Car (Optional)
18 Clarification Comprehensive and Third Party, Fire and Theft policies: Cover does not apply when the motorcycle is unregistered. Notes that Hire Car Following a Not at Fault Accident is now automatically included for Comprehensive policies. 05 Jul 2023
General exclusions
21 Reduction 35. Wear and tear, rust, corrosion, or deterioration exclusion extended to structural fatigue or structural failure. Roof and body seals stated as examples for the exclusion. 05 Jul 2023
Claiming 23 - 28
How we settle your claim: 3. If you are claiming for accessories and modifications
25 - 26 Clarification For market value policies, if you formerly had an amount noted on your policy schedule as ‘After Market Accessories’, this will now be noted as ‘Accessories and Modifications’. You should tell us about any items added to your motorcycle, including if they were factory added. 05 Jul 2023
How we settle your claim: 5. New Motorcycle Replacement
26 Clarification If you choose not to accept the replacement motorcycle or an agreement cannot be reached on a suitable replacement motorcycle, or if a suitable replacement motorcycle is not available within 6 months, we will settle your claim under the If The Motorcycle or Motorcycle Trailer is a Total Loss section. 05 Jul 2023
PDS section Page # Update type Change in the PDS PDS Effective Date
Important information 4 - 11
Cancelling your policy 4 Benefit Cancellation fee reduced to $22, with clarity on when this will apply. 05 Apr 2021
What if I have a complaint? 5 Clarification Updated details regarding our complaints process. 04 Sep 2021
Your duty of disclosure / When answering our questions 6 Clarification The Duty of Disclosure has been replaced with the duty of an insured “to take reasonable care not to make a misrepresentation when answering our questions”. 05 Apr 2021
Your responsibilities 6 - 7 Clarification Improved transparency with expanded section on the requirement to maintain a valid email address. 05 Apr 2021
7 Clarification Responsibility to ‘Maintain the motorcycle in a roadworthy condition’ has been changed to ‘Keep the motorcycle and trailer in a good and safe condition’. 05 Apr 2021
What do these words mean? 8 - 11
Earthquake 9 Reduction Earthquake definition changed, no longer includes landslip. 05 Apr 2021
Roadworthy 10 Clarification Updated to clarify compliance with the roadworthy requirements of the state in which a motorcycle or motorcycle trailer is being used. 04 Sep 2021
You / your / yours 11 Clarification Removed reference to "rider, employee/s and household member/s or any person acting for the policyholder, business or for a household member". 05 Apr 2021
Accessories and modifications 11 Clarification How to include accessories and modifications in the market value or agreed value. 05 Apr 2021
About your cover 11 - 20
Theft 12 Clarification Examples provided for what "reasonable precautions" are required when the motorcycle is taken for a test ride. 05 Apr 2021
Legal Liability 12 Reduction Legal Liability includes cover for the rider of the insured motorcycle and substitute motorcycle; cover while driving any uninsured motorcycle has been removed. 05 Apr 2021
Uninsured Third Party 13 Clarification Clarified information required about a third party. 05 Apr 2021
Riding Gear 14 Benefit Increased riding gear cover to $1,000. 05 Apr 2021
Temporary Replacement Cover 14 Benefit Previously Immediate Replacement Motorcycle cover; includes cover for when the motorcycle is given away. 05 Apr 2021
Counselling Services 14 Benefit Removed 6-month limit to commence counselling. 05 Apr 2021
Funeral Expenses 15 Benefit New Extra Cover for Comprehensive policies, includes up to $5,000 for funeral expenses as a result of an accident. 05 Apr 2021
Maritime Liability - Reduction No longer available. 05 Apr 2021
Hire Car (optional) 17 Clarification Confirmation of running costs that are not covered. 05 Apr 2021
17 Reduction Extended exclusion to also exclude hire cars used for paid delivery services. 04 Sep 2021
General exclusions 18 Clarification Exclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency. 05 Apr 2021
Claiming 21 - 26
Authorised persons on your claim 21 Clarification Updated section describing (1) how to add an authorised person and (2) conflict of interest. 05 Apr 2021
How we settle your claim 22 - 24 Clarification Updated section providing clarity on how we settle claims. 05 Apr 2021
How we settle your claim – New motorcycle replacement 24 Benefit Removed the 500km limit for when the motorcycle is purchased. 04 Sep 2021
24 Reduction For demonstrator motorcycles, the 24-month replacement period now applies from when the dealer first registered the motorcycle, rather than when it was first registered by you or a listed rider. 04 Sep 2021
Excess 25 Clarification Clarification of how and when an excess applies. 05 Apr 2021
Actions of others 26 Benefit New section describing circumstances where cover may not be limited by the actions of other people. 05 Apr 2021