Motorcycle Insurance in New Zealand
ACC covers your injury regardless of fault — but your bike itself has zero protection unless you've arranged it yourself.
Top 10 Motorcycle Insurers in New Zealand
Ranked by performance & user satisfaction
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| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
State Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
2
AA Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
3
AMI Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
4
Tower Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
5
Vero Insurance NZ
|
Comprehensive
Third Party Only
|
|
|
|
6
Trade Me Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
7
FMG Insurance
|
Comprehensive
Third Party Only
|
|
|
|
8
Cove Insurance
|
Comprehensive
|
|
|
|
9
Initio Insurance
|
Comprehensive
|
|
|
|
10
Youi NZ
|
Comprehensive
Third Party, Fire and Theft
|
|
State Insurance
AA Insurance
AMI Insurance
Tower Insurance
Vero Insurance NZ
Trade Me Insurance
FMG Insurance
Cove Insurance
Initio Insurance
Youi NZ
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
State Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
AA Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
AMI Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
Tower Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
Vero Insurance NZ
|
Comprehensive
Third Party Only
|
|
|
|
Trade Me Insurance
|
Comprehensive
Third Party, Fire and Theft
|
|
|
|
FMG Insurance
|
Comprehensive
Third Party Only
|
|
|
|
Cove Insurance
|
Comprehensive
|
|
|
|
Initio Insurance
|
Comprehensive
|
|
|
|
Youi NZ
|
Comprehensive
Third Party, Fire and Theft
|
|
State Insurance
AA Insurance
AMI Insurance
Tower Insurance
Vero Insurance NZ
Trade Me Insurance
FMG Insurance
Cove Insurance
Initio Insurance
Youi NZ
New Zealand's no-fault ACC scheme applies to motorcycle accidents exactly as it does to cars, covering injury but nothing for the bike. Since insurance is legally optional, the decision to cover a motorcycle rests entirely with the rider.
What ACC Doesn't Cover
ACC provides no-fault injury compensation regardless of who caused the accident, but nothing for damage to or theft of the motorcycle itself. Given real theft exposure, this gap matters more for riders than for many car owners.
Theft Cover Specifically
Motorcycles are frequently targeted for theft relative to cars. Confirming your policy's theft terms, including any secure storage requirements, is worth doing closely rather than assuming standard comprehensive automatically protects you.
Riding Gear
Protective gear often isn't automatically included under standard comprehensive. If you've invested in quality equipment, check whether it's covered as a separate line item.
Uninsured Riders on the Other End
Since insurance is optional, an uninsured at-fault rider or driver can leave you with no practical route to recover your bike's repair costs unless you carry your own comprehensive cover.
Key Guidance
Given real theft exposure and the risk of an uninsured at-fault party, comprehensive cover is worth genuinely weighing even though nothing legally requires it. Read our complete guide for the full claims process.
In-Depth Guide
Motorcycle Insurance in New Zealand: How to Get It and How to Claim It
Full application and claims process →
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