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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

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, hail, and flood. Hit the road with confidence, knowing your motorbike insurance is in good hands. 

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

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 Propert 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

Riding apparel replacement cover
up to $1,000 after Fire & Theft only

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

Up to 21 days' compact hire car after theft

Premiums payable monthly (additional costs apply)

Comprehensive Motorcycle Insurance

Third Party, Fire & Theft +

cover for damage to your motorcycle from a collision, vandalism, storm, 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

Riding apparel replacement cover
up to $1,000

Loss or damage to personal property
up to $500

Up to 21 days' compact hire car after theft

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 feature to apply. Please read your PDS for full details.

Looking for more detail? Information provided is general advice only and doesn't take into account your particular objectives, financial situation or needs. Conditions, exclusions and limits apply. Read the Product Disclosure Statement before making a decision about this insurance.

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?

Compulsory Third Party (CTP) Insurance is compulsory for all road users and is separate to Motorcycle Insurance. CTP insurance provides compensation to other people you may have injured when you’re the at-fault driver. While most states include CTP Insurance in the standard vehicle registration fee, if you live in NSW, ACT or QLD, you can take CTP Insurance out through your registration or through an insurance provider.

Do you need CTP Insurance?

Compulsory Third Party insurance (CTP), also known as Green Slip insurance in New South Wales, is insurance attached to the registration of your vehicle. It provides protection to the at fault driver against compensation claims from people injured in a motor vehicle accident. CTP is required by all drivers in order to register their vehicles in NSW and the ACT.

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Est. in 1927

We've been a trusted insurer for 90 years

24/7 Claims

Make your claim at any time over the phone and for comprehensive customers make your claim and track your claim online: 24 hours a day, 7 days a week

Repairs Guaranteed

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

No Excess

If we decide the accident you're claiming for wasn't your fault, we'll waive the excess if you provide details of the person responsible