What do I do if I have a motorcycle accident?

Being involved in an accident can be a stressful experience, so we’ve created a step by step guide to help you know what to do. Firstly, make sure everyone is safe. In an emergency call 000 for police and ambulance assistance, for example if there's major damage, a person is injured or debris is blocking the road. You can also call 000 if anyone involved has failed to exchange details. Ensure you are in a safe location away from traffic. If possible, try to prevent further loss or damage by moving your motorcycle off the road and putting your hazard lights on. Record the following details: date, time and location of the accident registration number, full name, address, contact number and insurance details of any drivers involved name, address and phone number of any witnesses. Make a claim online as soon as possible, or call us on 13 14 46 with details of the accident. We can help arrange the towing of your motorcycle if required. We may provide cover for emergency repairs, up to $500.

What do I do if my motorcycle is stolen?

If your motorcycle is stolen, the first step is to report the theft to the police. For residents in Victoria, you can contact your local police station. All other states, call the Police Assistance line on 131 444 . Make sure you keep a record of the name of the police officer, the police station, the date reported and the report reference number. Next, make your claim online with GIO.

Can I choose my own repairer?

You can leave it with GIO to take care of everything when arranging for the repair of your motorcycle. However, if you prefer to, you can choose your own repairer to complete the job. If you do this, you need to obtain a quote from your repairer. After you obtain a quote from your repairer, we will need to assess your motorcycle at one of our preferred repairers. The repairs will be authorised if your repairer’s assessed quote meets industry standards and will result in your motorcycle being repaired safely and in a cost effective manner. Our lifetime repair guarantee applies even if you choose your own repairer, as long as we authorise the repairs. LEARN MORE ABOUT MOTORCYCLE INSURANCE

What happens if I'm in an accident with an uninsured driver?

If you have Comprehensive Insurance, we will cover damage to your motorcycle if you’re in an accident with an uninsured driver. The limit will be the amount you covered your motorcycle for. If you have Third Party Property Damage or Fire, Theft and Third Party Property damage you may still be covered if you have an accident with an uninsured driver. If your motorcycle is insured and involved in an incident, and the rider of your motorcycle didn't contribute to the accident (this means that the other driver was entirely at fault), and you can provide us with the name, address and registration details of the person at fault, you may be covered to a limit of $5,000 for any one incident. LEARN MORE ABOUT MOTORCYCLE INSURANCE

Motorcycle Insurance FAQs

If you’ve been involved in an accident on your motorcycle and you have Comprehensive Motorcycle Insurance, you can make a claim online or call us on 13 14 46. You can also click through to read our comprehensive guide on what to do.

If your motorcycle is stolen, first report it to the police, then make a claim online with GIO.

Yes, all riders who you expect will repeatedly ride your motorcycle should be listed.

Listing additional riders may affect your premium, excess, policy coverage and our decision to insure you.

If you don't list a person who repeatedly rides your motorcycle it may result in additional excesses and/or reduction of or refusal of a claim.

LEARN MORE ABOUT MOTORCYCLE INSURANCE

With GIO, you can allow us to arrange the repair of your motorcycle and have everything taken care for you or you can choose to have repairs completed by a repairer of your choice.

If you have Comprehensive Insurance, we will cover damage to your motorcycle if you’re in an accident with an uninsured driver. The limit will be the amount you covered your motorcycle for.