How do I renew my Motorcycle Insurance?

You can renew your Motorcycle Insurance online , as well as pay your excess, all in the same place. Renewing your policy has never been easier with Suncorp online. Visit Payment and Renewals to renew your motorcycle policy or pay your excess. If you have other Suncorp products, you can also manage your payments here.

What excesses apply if I make a claim on my Motorcycle insurance?

An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. The total excess you are required to pay is determined by the circumstances of your claim. You might have to pay more than one type of excess when you claim. The amount and types of excesses are shown on your certificate of insurance and explained in your PDS .

Do I need to list all regular riders on my Motorcycle Insurance?

Yes, it’s important to list all riders as this could affect the premium you pay and whether you are covered for a claim. You must contact us if the number of riders of your motorcycle changes as this may affect your premium and policy cover. Additionally, each time you renew your policy, you must let us know if you or any of the riders or likely riders of your motorcycle have had their licence cancelled, suspended or restricted, been charged with or convicted of a criminal act or offence, or had another insurer cancel or decline an insurance policy, impose specific conditions on a policy or refuse a claim. For more information, please refer to the PDS .

Motorcycle Insurance

Coverage that keeps you moving. Three levels of cover available.
Choose the one that's right for you.

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What is Motorcycle Insurance?

Motorcycle Insurance helps cover costs you might be liable for after an incident on the road. It helps cover damage to other people’s vehicles and property caused by the use of your motorcycle, and — depending on the type of cover you choose — to your own bike, as well.

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Choose from 3 levels of cover

Comprehensive

Top Cover

Get the broadest coverage we offer with cover for your bike, damage to other vehicles, and more.

What's included:

Up to $20 million cover for liability to pay compensation for loss or damage to other people’s vehicles and property caused by the use of your bike
Cover for accidental loss of, or damage to, your motorcycle due to events like theft, collision, storm, fire and impact, up to your amount covered
New motorcycle after a write-off or theft if your bike is less than 2 years old and you’re the first owner¹
Repair or replacement of your riding apparel if it’s stolen or damaged (up to $2,000)
Lifetime Repair Guarantee
Hire car after theft up to 21 days

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Fire, Theft & Third Party Property Damage

Get the benefits of Third Party Property Damage — plus cover if your own bike is damaged by fire or theft only.

What's included:

Up to $20 million cover to pay compensation for loss or damage caused by the use of your bike to other people’s vehicles and property for which you’re liable
Cover for accidental loss of, or damage to, your motorcycle due to fire or theft, up to your amount covered shown on your certificate of insurance
Repair or replacement of your riding apparel if it’s damaged by fire or stolen (up to $2,000)
Lifetime Repair Guarantee
Hire car after theft up to 21 days

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Third Party Property Damage

Help cover yourself from huge damage bills with cover for other people’s property caused by the use of your bike.

What's included:

Up to $20 million cover for liability to pay compensation for loss or damage to other people’s vehicles and property caused by the use of your bike
Damage by at-fault uninsured drivers (up to $5,000)

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This is just a summary, for full details of what is and isn't covered please refer to the Motorcycle Insurance Product Disclosure Statement (PDS). The Target Market Determination is also available.

For riders in QLD

Before you can register your bike you'll need CTP.

Suncorp CTP Insurance

The CTP Insurance that protects more Queensland families

If you’re at fault in an accident that injures other road users — including passengers, pedestrians, cyclists and other drivers — the resulting costs can be crippling. CTP Insurance helps to cover those costs.

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Ways to save on your premium

No claim bonus (Comprehensive cover only)

We recognise your good claims history with us with reduced premiums.

Multi policy discount^#

Combine any 3 or more eligible policies and get 15% off.

Flexible excess

If you increase your standard excess you can save on your premium.(Comprehensive cover only)

If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges).

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Frequently asked questions

You can renew your Motorcycle Insurance online, as well as pay your excess, all in the same place.

Your Motorcycle Insurance premium is calculated using a combination of factors, such as the likelihood of you making a claim, the type of cover you choose, your motorcycle model, your amount of cover and details of the listed riders. These are called premium factors.

Please refer to the PDS for more information.

An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. The total excess you are required to pay is determined by the circumstances of your claim.

Yes, it’s important to list all riders as this could affect the premium you pay and whether you are covered for a claim.

Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.

Product Development and Distribution Policy

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Insights and stories

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Motorcycle Insurance: Is riding gear covered?

With Suncorp Comprehensive and Fire, Theft & Third Party Property Damage Motorcycle Insurance, some accessories and riding gear may be covered.

How do I insure my dirt bike?

Heading off road? If you’re a dirt bike enthusiast, having the right level of cover can provide a little peace of mind if something goes wrong.

Who makes the most motorcycle insurance claims?

Claims data can give us insights into which groups of motorcycle riders have been involved in the most incidents. Knowing how your peers fare can help you be prepared.

Do I need CTP insurance for my motorcycle?

Unsure if you need CTP Insurance for your motorcycle? Read this guide for all the info relevant to your state.

¹ Your motorcycle becomes a total loss if it is uneconomical or unsafe to repair, and the combined repair costs and salvage value are likely to be more than the amount covered by your insurance policy. If you have Comprehensive cover and your motorcycle is a total loss (which includes where your motorcycle is stolen and unrecovered after 14 days and we accept your claim for theft), is less than 2 years old and you're the first registered owner, we'll replace it with a new one of the same or similar make and model.

^# 15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat insurance. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. Taxes and charges are not discounted. View full terms and conditions.