Motorcycle Insurance

Whether you’re covering a motorcycle, cruiser, tourer, sports bike, or city scooter, stay in control with Motorcycle Insurance.

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Compare Motorcycle Insurance options

Choose between three levels of flexible cover to best suit your needs.

What does Motorcycle Insurance cover

GIO Motorcycle Insurance provides you with cover for your motorcycle and legal liability for damage to other people’s property against a range of unexpected incidents including collision, vandalism, storm (including cyclone), hail, and flood. Hit the road with confidence, knowing your motorbike insurance is in good hands. 

Third Party Property Damage Motorcycle Insurance

Cover for damage your motorcycle causes to other people’s vehicles and property

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Up to $20 million legal liability cover for damage caused by your motorcycle

Your repair costs after a collision with an at-fault uninsured driver, up to $5,000

24/7 Australia-wide claims service

Fire, Theft and Third Party Property Damage Motorcycle Insurance

Third Party +

Extra cover for fire and theft

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Up to $20 million legal liability cover for damage caused by your motorcycle

Your repair costs after a collision with an at-fault uninsured driver, up to $5,000

24/7 Australia-wide claims service

Accidental loss or damage to your motorcycle after Fire & Theft or attempted theft only

Loss or damage to personal property
up to $500 after Fire and Theft only

Premiums payable monthly (additional costs apply)

Comprehensive Motorcycle Insurance

Third Party, Fire & Theft +

Cover for damage to your motorcycle from a collision, vandalism, storm (including cyclone), hail and flood

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Up to $20 million legal liability cover for damage caused by your motorcycle

Your repair costs after a collision with an at-fault uninsured driver, up to your amount covered

24/7 Australia-wide claims service

Accidental loss or damage to your motorcycle up to your amount covered

Loss or damage to personal property
up to $500

Premiums payable monthly (additional costs apply)

New motorcycle after a total loss if your motorcycle is less than 2 years old*

*You need to meet certain requirements for this additional cover to apply. Please read your PDS for full details.

How much will Motorcycle Insurance cost?

The cost of Motorbike Insurance will vary depending on your level of cover. Third Party Property Damage cover is often the cheapest form of cover, offering protection in the event of an incident caused by you. While you may pay more for Comprehensive Motorcycle Insurance, it covers you for all that Third Party Property Damage insurance does, plus accidental loss or damage cover.

What isn't covered by my policy?

NSW Compulsory Third Party Insurance (CTP) and ACT Motor Accident Injuries (MAI) Insurance is compulsory for all vehicles registered in NSW or the ACT. Unlike Motorcycle Insurance, NSW CTP and ACT MAI Insurance provide cover for injury to you, your family and other road users in the event of a motor vehicle accident.

If you live in the ACT you can select your preferred insurer when registering your vehicle, and if you live in NSW, you can purchase your CTP Green Slip directly through an insurance provider.

Do you need CTP Insurance?

Compulsory Third Party (CTP) Personal Injury Insurance, also known as a Green Slip, is mandatory in NSW and must be purchased before you can register your vehicle.

CTP covers your liability and the liability of anyone else who drives your vehicle, for injuries caused to others in a motor accident.

ACT Motor Accident Injuries Insurance (MAI Insurance) was previously known as CTP Insurance and is mandatory in ACT in order to register your vehicle. It provides cover for injury to you, your family and other road users in the event of a motor vehicle accident – regardless of who is at fault.

READ MORE ABOUT NSW CTP OR ACT MAI INSURANCE

WHY GIO

Reasons to choose GIO

24/7 Claims

Make your claim at any time online or over the phone (13 14 46) and for comprehensive customers make your claim and track your claim online - 24 hours a day, 7 days a week.


Est. in 1927

We’ve been a trusted insurer for over 95 years


Lifetime repair guarantee

GIO offers a lifetime guarantee on authorised repairs - trust us to get the job done.


No excess

If the rider of your motorcycle didn't contribute to the accident (this means that the other driver was entirely at fault), we'll waive the excess if you provide the name, address and vehicle registration number of the at-fault driver.

MOTORCYCLE

Ways to save

10% multi-policy discount*^

You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. View T&Cs

Multi-Policy Discount

No claim bonus

A no claim bonus is a discount that rewards you for your good claims history. For every year that you don't make an excess payable claim, we'll give you a discount on next year's premium up to a maximum of 60%.

Increase your excess

You’re in control of how much you pay or save when you buy or renew your insurance premium. With a range of excess options to choose from, the more you increase your excess the lower your premium will be.

Frequently Asked Questions

Looking for more detail? Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

Important Information

If you are eligible for more than one discount, we apply any subsequent discount to the already discounted rated premium (usually before adding taxes and charges). Discounts are subject to change without notice. Any discount given will be shown on your certificate of insurance.

*Discount not applicable to Roadside Assist optional cover.

^Discounts not applicable to Glo Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.

Increase your excess

You’re in control of how much you pay or save when you buy or renew your insurance premium. With a range of excess options to choose from, the more you increase your excess the lower your premium will be.

10% multi-policy discount*^

You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. View T&Cs

Multi-Policy Discount

No claim bonus

A no claim bonus is a discount that rewards you for your good claims history. For every year that you don't make an excess payable claim, we'll give you a discount on next year's premium up to a maximum of 60%.