Youi Comprehensive Motorcycle Insurance
- Get wide-ranging insurance for your bike
- 24/7 roadside assistance* – 2 free callouts included
- Boost your cover with optional upgrades
Youi Comprehensive Motorcycle Insurance
To help you compare motorcycle insurance, our insurance team did an analysis of some of Australia's most popular motorbike insurance policies. We analysed the comprehensiveness of each policy, from the basics to roadside assistance, riding gear cover and more.
Remember, what's best for you will differ from person to person so it's always best to do your research.
Why you can trust our research
motorcycle policies analysed
hours of research
The cost of motorcycle insurance varies between providers and your cost will depend on your personal circumstances, the below should be used as a guide only.
CTP cover is a legal requirement – you must have it to register your motorcycle in Australia. It protects riders for personal injuries caused by your motorbike after an at-fault accident and compensates those who are injured.
It won't cover you for repair costs for your motorcycle or other peoples' vehicles or property.
The most basic optional insurance. Third party cover offers a bit more peace of mind as it covers the cost of damages caused by your motorcycle to others' property. It'll also pay your legal costs if you get sued for any damages you've caused.
However, third party property won't cover costs for the repair or replacement of your own motorcycle.
In addition to the cover offered by third party property damage, it'll also cover any damages to your bike from fire or theft.
This type of cover doesn't include the cost of repairs to your bike if it's involved in a traffic accident.
The highest level of cover available. Comprehensive insurance will cover most accidental damage, whether or not you're at-fault, plus natural disasters such as storms, floods, hail and even earthquakes. It also covers you for theft, vandalism, third party property damage and damage caused by uninsured drivers.
Comprehensive cover can replace your motorbike if it's written off within a set time period after being registered. It can also cover you for accidents if the rider of the bike isn't a nominated driver.
Here's what is typically covered by the 3 key types of motorcycle insurance:
|Feature||Comprehensive||Third party, fire and theft||Third party property|
|Storm or Flood|
|Emergency Accommodation Transport and Repairs|
|Locks and Keys|
|Personalised Registration Plates|
Here are some features that you can get with a motorcycle insurance policy:
Your riding leathers, helmet and other gear can be expensive. A lot of policies can cover theft or damage of helmets and riding gear.
If you have a preferred mechanic you want to use, you'll often need to pay a little extra for your own choice of repairer.
If market value isn't a fair reflection of your bike's true worth, for example if you need insurance for a modified motorcycle, you might want to look for policies that offer agreed value as an option.
If a relatively new motorcycle is written off following an insured event, you might be able to get a brand new equivalent replacement. There's usually a time limit of 2 years for this feature.
This provides cover for the cost of re-keying or re-coding locks if your keys are stolen, often up to around $1,000.
Your motorcycle insurance premiums are typically based on the following factors.
To be eligible for lower premiums, you could:
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