• Winner of DBM’s Most Recommended General Insurer award
  • Multi-policy holder discounts
  • Cover starts immediately with 21 days to pay
  • Pay monthly at no extra cost

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 or similar make and model, subject to local availability.
    Within first two years
  • 1

    Rider safety equipment

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

    Theft of keys

    We'll cover up to $1,000 for the replacement of keys, central locking remote control, and/or recoding of locks if your keys are stolen.
    Up to $1,000 following theft of keys
  • 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 incident, 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 motorcycle so you can get it to your destination, the nearest repairer or place of safety after an incident. 
    Up to $750
  • Emergency travel and accommodation

    If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an incident, 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
  • Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 million
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local
  • $0 excess if you're not at fault

    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
  • Choice of repairer

    You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
    Choose from our network of repairers
  • Replacement parts

    We'll ensure the use of appropriate new or used parts, consistent with the age and condition of your vehicle.
    Use appropriate 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

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 or similar make and model, subject to local availability.
    Within first two years
  • 1

    Rider safety equipment

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

    Theft of keys

    We'll cover up to $1,000 for the replacement of keys, central locking remote control, and/or recoding of locks if your keys are stolen.
    Up to $1,000 following theft of keys
  • 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 incident, 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 motorcycle so you can get it to your destination, the nearest repairer or place of safety after an incident. 
    Up to $750
  • Emergency travel and accommodation

    If you're more than 100km from home and your motorcycle's been stolen, or isn't rideable as a result of an incident, 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
  • Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 million
  • Claims handled in South Australia

    For your convenience our call centre and claims department are right here in SA.
    SA local
  • $0 excess if you're not at fault

    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
  • Choice of repairer

    You can choose a repairer recommended by us, or choose a different repairer who meets our minimum standards. Repairs must not be made without our prior consent. Limits and conditions apply.
    Choose from our network of repairers
  • Replacement parts

    We'll ensure the use of appropriate new or used parts, consistent with the age and condition of your vehicle.
    Use appropriate 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

Third Party Property Insurance benefits

 
  • 1

    Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • 1

    Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 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

    $0 excess if you're not at fault

    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
  • 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
  • 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

    Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • 1

    Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by your motorcycle in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 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

    $0 excess if you're not at fault

    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
  • 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
  • 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 Motorcycle and Mobility Scooter Insurance Product Disclosure Statement (PDF, 408KB) and the Third Party Car Insurance Product Disclosure Statement. Our Motorcycle and Mobility Scooter Insurance Target Market Determination (PDF, 840KB) and Third Party Car Insurance Target Market Determination provide information about who these products are suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read our General Insurance Code of Practice and complaint resolution information.

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