← 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.

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