• Pay monthly at no extra cost
  • Cover starts immediately with 21 days to pay
  • Includes RAA membership
  • Multi-policy holder discounts

Because you never know what’s around the corner

RAA Comprehensive Motorcycle Insurance covers your pride and joy if it’s stolen or damaged, and also covers your riding gear. Our Third Party Insurance covers you for damage to other people’s property caused by your motorcycle. 

Plus, our insurance policies include RAA membership, giving you access to a whole world of benefits and savings. 

If the engine capacity of your motorcycle is 1250cc or more, we'll need to have more of a chat, so please call us for a quote.

Comprehensive Motorcycle Insurance Benefits

 
  • 1
    Summary of benefits

    Accidental loss or damage

    You’re covered Australia-wide for accidental loss or damage to your motorcycle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism), and theft or attempted theft.
    Covered Australia-wide
  • 1

    New motorcycle replacement

    If you buy a brand new motorcycle and it’s written off within two years of the initial registration date, we’ll replace it with a new one of the same make and model, subject to local availability.
    Within first two years
  • 1

    Riding gear

    We’ll cover up to $750 for the replacement (new for old) of your riding gear (motorcycle helmet and/or protective clothing designed for riding a motorcycle), if it’s damaged as a result of an insured event.
    Up to $750
  • 1

    Replacement of locks and keys

    If your motorcycle keys are stolen and police investigations conclude they're unlikely to be found, we’ll cover up to $750 for their replacement and/or recoding of locks.
    Up to $750 following theft
  • 1

    Recovery costs following theft

    We’ll cover the transport costs, as agreed by us, for the return of your motorcycle if it’s recovered after being stolen.
    Some motorcycle transport costs after theft
  • Towing and storage

    If your motorcycle's damaged as a result of an insured event, we’ll cover the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.
    Cover cost of removal and storage
  • Emergency repairs

    For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or a place of safety after an insured event.
    Up to $750
  • Emergency travel/accommodation

    If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an insured event, we’ll cover up to $750 for emergency travel and overnight accommodation.
    Up to $750 in certain situations
  • 14 day change of motorcycle cover

    When you sell or replace your motorcycle for another one, we’ll cover the new motorcycle for up to 14 days. 
    Transfer cover to a new motorcycle for up to 14 days
  • Legal Liability

    We’ll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your motorcycle in Australia.
    Up to $20 million
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local
  • No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
    No excess to pay in some situations
  • Traveller's Benefit

    We'll cover up to $750 for transport and accommodation if you're driving your motorcycle more than 100km from home and unexpectedly you become seriously ill or injured.
    Up to $750
  • Freedom of choice of repairer

    You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price. 
    Choose your own crash repairer
  • Repairs guaranteed for life

    The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that motorcycle with us.
    Repairs guaranteed with RAA Approved Repairers
  • Genuine manufacturers parts

    We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your motorcycle, where appropriate and available.
    Use Original Equipment Manufacturer (OEM) parts
  • Taxi home

    We’ll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your motorcycle is stolen or isn't rideable as a result of the incident.
    Up to $150
  • Flexible excess options

    Options available to suit your needs.

    Choice of excess
  • Legal costs

    With our prior agreement, we’ll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event involving your motorcycle.
    Cover all legal costs and expenses

Comprehensive Motorcycle Insurance Benefits

Use the drop-down menus to compare options

 
  • 1
    Summary of benefits

    Accidental loss or damage

    You’re covered Australia-wide for accidental loss or damage to your motorcycle as a result of a storm, fire, flood, hail, collision, malicious damage (such as vandalism), and theft or attempted theft.
    Covered Australia-wide
  • 1

    New motorcycle replacement

    If you buy a brand new motorcycle and it’s written off within two years of the initial registration date, we’ll replace it with a new one of the same make and model, subject to local availability.
    Within first two years
  • 1

    Riding gear

    We’ll cover up to $750 for the replacement (new for old) of your riding gear (motorcycle helmet and/or protective clothing designed for riding a motorcycle), if it’s damaged as a result of an insured event.
    Up to $750
  • 1

    Replacement of locks and keys

    If your motorcycle keys are stolen and police investigations conclude they're unlikely to be found, we’ll cover up to $750 for their replacement and/or recoding of locks.
    Up to $750 following theft
  • 1

    Recovery costs following theft

    We’ll cover the transport costs, as agreed by us, for the return of your motorcycle if it’s recovered after being stolen.
    Some motorcycle transport costs after theft
  • Towing and storage

    If your motorcycle's damaged as a result of an insured event, we’ll cover the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.
    Cover cost of removal and storage
  • Emergency repairs

    For every claim we accept, we'll cover up to $750 for emergency repairs to your vehicle so you can get it to your destination, the nearest repairer or a place of safety after an insured event.
    Up to $750
  • Emergency travel/accommodation

    If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an insured event, we’ll cover up to $750 for emergency travel and overnight accommodation.
    Up to $750 in certain situations
  • 14 day change of motorcycle cover

    When you sell or replace your motorcycle for another one, we’ll cover the new motorcycle for up to 14 days. 
    Transfer cover to a new motorcycle for up to 14 days
  • Legal Liability

    We’ll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your motorcycle in Australia.
    Up to $20 million
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local
  • No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
    No excess to pay in some situations
  • Traveller's Benefit

    We'll cover up to $750 for transport and accommodation if you're driving your motorcycle more than 100km from home and unexpectedly you become seriously ill or injured.
    Up to $750
  • Freedom of choice of repairer

    You've got the freedom to choose your own repairer. Limitations apply. Repairs must not be undertaken without prior consent of RAA. RAA may pay cash in lieu or move your vehicle if your chosen repairer does not meet RAA’s standards for safety, quality, fairness, effectiveness or price. 
    Choose your own crash repairer
  • Repairs guaranteed for life

    The repairs arranged by us at an RAA Approved crash repairer are guaranteed for so long as you own and continue to insure that motorcycle with us.
    Repairs guaranteed with RAA Approved Repairers
  • Genuine manufacturers parts

    We'll authorise repairs with Original Equipment Manufacturer (OEM) parts consistent with age and condition of your motorcycle, where appropriate and available.
    Use Original Equipment Manufacturer (OEM) parts
  • Taxi home

    We’ll cover up to $150 for emergency transport, e.g. a taxi, from the scene of an incident to your home or intended destination, if your motorcycle is stolen or isn't rideable as a result of the incident.
    Up to $150
  • Flexible excess options

    Options available to suit your needs.

    Choice of excess
  • Legal costs

    With our prior agreement, we’ll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event involving your motorcycle.
    Cover all legal costs and expenses

Third Party Property Insurance benefits

 
  • 1
    Summary of benefits

    Legal liability

    We’ll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your motorcycle in Australia.
    Up to $20 million
  • 1

    Uninsured motorist extension

    We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.
    Up to $3,000
  • 1

    No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply to details of another party involved.
    Transfer cover to a new car for up to 14 days
  • 14 day change of motorcycle

    When you sell or replace your motorcycle for another one, we'll cover the new motorcycle for up to 14 days.
    Transfer cover to a new motorcycle for up to 14 days
  • Flexible excess options

    Options available to suit your needs.
    Choice of excess
  • Legal costs

    With our prior agreement, we’ll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event involving your motorcycle.
    Cover all legal costs and expenses
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local

Third Party Property Insurance benefits

Use the drop-down menus to compare options

 
  • 1
    Summary of benefits

    Legal liability

    We’ll cover up to $20 million legal liability for any loss or damage to other people's property arising from the use of your motorcycle in Australia.
    Up to $20 million
  • 1

    Uninsured motorist extension

    We’ll pay up to $3,000 for damage to your vehicle caused by the driver/rider of an uninsured vehicle if, in our opinion, the other party was more than 50% at fault and you can supply their name and address and the registration details of their vehicle.
    Up to $3,000
  • 1

    No fault excess

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply to details of another party involved.
    Transfer cover to a new car for up to 14 days
  • 14 day change of motorcycle

    When you sell or replace your motorcycle for another one, we'll cover the new motorcycle for up to 14 days.
    Transfer cover to a new motorcycle for up to 14 days
  • Flexible excess options

    Options available to suit your needs.
    Choice of excess
  • Legal costs

    With our prior agreement, we’ll cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event involving your motorcycle.
    Cover all legal costs and expenses
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local

Why choose Motorcycle Insurance with RAA?

  • 10% multi policy discount

    We give you 10% off each policy when you hold three or more insurance policies (excluding Travel Insurance) with RAA in the same name. 
  • Pay monthly at no extra cost

    You can choose to pay monthly or annually, with no additional cost if you choose to pay by the month.
  • We're SA locals

    We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.

We're here to help

  • Call us

    Monday to Friday, 8am to 6pm  Saturday, 9am to 12pm
  • Enquire online

    Send us a message and we'll contact you
  • Find a shop

    Drop in and chat face-to-face
  • Help centre

    Access important documents and more

Things you should know

The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Comprehensive Motorcycle Insurance Product Disclosure Statement (PDS) with the Supplementary Product Disclosure Statement (PDF, 70KB) and the Third Party Car Insurance Product Disclosure Statement (PDS) with the Supplementary Product Disclosure Statement (PDF, 70KB). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.