← Australia / Motorcycle Insurance in Australia

Motorcycle Insurance in Australia

CTP applies to motorcycles just like cars, with LAMS licence restrictions adding a layer that riders need to get right.

Editor's Choice

Top 10 Motorcycle Insurers in Australia

Ranked by performance & user satisfaction

Affiliate Disclosure: AutoInsurances.online is an independent comparison platform. When you click our links or request quotes, we may receive compensation from insurance providers or affiliate networks. This does not impact the objectivity of our data.

⚠ General Advice Only

This comparison platform provides General Advice Only. We have not considered your specific financial situation, budgetary requirements, or personal risk metrics. Before acting on this information, you should consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) provided by the insurer.

Insurer	Coverage Types	Highlights	Action
1 NRMA Insurance	Comprehensive Third Party Property Damage
2 AAMI	Comprehensive Third Party Property Damage
3 Budget Direct	Comprehensive Third Party Property Damage
4 Youi	Comprehensive Third Party Property Damage
5 Allianz Australia	Comprehensive Third Party Property Damage
6 GIO	Comprehensive Third Party Property Damage
7 QBE Insurance	Comprehensive Third Party Property Damage
8 RAA	Comprehensive Third Party Property Damage
9 RACV	Comprehensive Third Party Property Damage
10 Bingle	Comprehensive Third Party Property Damage

NRMA Insurance

Comprehensive

AAMI

Comprehensive

Budget Direct

Comprehensive

Youi

Comprehensive

Allianz Australia

Comprehensive

GIO

Comprehensive

QBE Insurance

Comprehensive

RAA

Comprehensive

RACV

Comprehensive

#10

Bingle

Comprehensive

Full Motorcycle Insurance Directory

Exhaustive list of regional providers

Insurer	Coverage Types	Highlights	Action
NRMA Insurance	Comprehensive Third Party Property Damage
AAMI	Comprehensive Third Party Property Damage
Budget Direct	Comprehensive Third Party Property Damage
Youi	Comprehensive Third Party Property Damage
Allianz Australia	Comprehensive Third Party Property Damage
GIO	Comprehensive Third Party Property Damage
QBE Insurance	Comprehensive Third Party Property Damage
RAA	Comprehensive Third Party Property Damage
RACV	Comprehensive Third Party Property Damage
Bingle	Comprehensive Third Party Property Damage
Shannons	Comprehensive
Coles Insurance	Comprehensive Third Party Property Damage
Woolworths Insurance	Comprehensive Third Party Property Damage
Huddle	Comprehensive Third Party Property Damage
Rollin' Insurance	Comprehensive

NRMA Insurance

Comprehensive

AAMI

Comprehensive

Budget Direct

Comprehensive

Youi

Comprehensive

Allianz Australia

Comprehensive

GIO

Comprehensive

QBE Insurance

Comprehensive

RAA

Comprehensive

RACV

Comprehensive

Bingle

Comprehensive

Shannons

Comprehensive

Coles Insurance

Comprehensive

Woolworths Insurance

Comprehensive

Huddle

Comprehensive

Rollin' Insurance

Comprehensive

Motorcycles require CTP in Australia exactly as cars do, covering injury or death caused to others. Property cover is a separate decision, and licence restrictions for newer riders add a dimension that doesn't apply to car insurance.

LAMS and Licence Restrictions

The Learner Approved Motorcycle Scheme restricts newer riders to specific approved bikes below a power-to-weight threshold. Insuring a non-LAMS bike while restricted typically voids cover entirely, since you're not legally entitled to ride that machine.

Agreed Value vs. Market Value

As with car comprehensive policies, motorcycle cover typically offers Agreed Value or Market Value. Given how differently motorcycle models depreciate — or in some cases appreciate — this choice deserves specific thought rather than a default selection.

Protective Gear Cover

Many insurers offer separate cover for riding gear and accessories beyond the bike itself. Given the real cost of quality helmets and protective clothing, checking this specifically is a practical step before finalising a policy.

Seasonal and Pay-As-You-Go Options

Some insurers offer usage-based or short-term policies for riders who use their bike seasonally rather than year-round, avoiding the cost of a standard annual policy for occasional use.

Key Guidance

If you're on a restricted licence, confirm your bike is genuinely LAMS-approved before assuming you're covered. For the complete guide to getting covered and claiming, read our full article.

In-Depth Guide