Person on a motorbike riding down a street.

Comprehensive motorcycle insurance

If you’re looking to protect your motorbike with our highest level of cover, then Youi Comprehensive motorcycle insurance could be for you. Take a look to see if this level of coverage works for your motorbike and your situation, or get in touch today.

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Overview What's included Optional covers What's excluded What you'll need for a quote FAQs and Guides

Why choose Youi?

We pride ourselves on providing quality service and making our policies easier to understand. We’re here to help if you need any information when deciding if our Comprehensive motorbike insurance offers the right type of cover for you.

Theft cover 

Our Comprehensive policy covers your motorcycle for theft or damage to it caused by attempted theft.1

Accidental damage

If an accident happens, don’t stress. Under our Comprehensive policy, your motorcycle will be covered for accidental damage caused by you or someone else.2

Roadside assistance

Accidental damage: Available with Comprehensive policies, our roadside assistance provides round-the-clock support if your motorcycle breaks down. Some limits and fees apply.3

Comprehensive insurance that helps keep you protected

We want to make sure you get the cover that suits you. So consider becoming protected with Youi’s Comprehensive motorcycle cover.

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Take a closer look at our Comprehensive cover.

Youi’s Comprehensive motorcycle insurance provides a range of features and inclusions to help keep you covered while you enjoy the ride.

Theft

Our Comprehensive policy covers your motorcycle for theft or attempted theft.1

Roadside assistance

With our Comprehensive cover, if your motorcycle breaks down, emergency roadside assistance is included as standard. Some limits and fees apply.3

Accidental damage

Comprehensive policies include cover for accidental damage caused to the motorcycle, either by you or by someone else.2

Storm, hail or flood

Comprehensive policies include cover for damage to the motorcycle caused by a storm, hail or flood.2

Riding gear

With our Comprehensive cover, you’ll be protected for up to $1,000 worth of your (or your pillion’s) riding gear if it’s stolen or damaged as a result of an insured event.6 You also have the option to upgrade this cover to up to $5,000 per claim and include personal items.5

Intentional damage

Cover for intentional damage to the motorcycle by someone (other than you, a listed rider or anyone else who’s been given permission to ride it) is included under our Comprehensive cover.2

Legal liability

If your motorcycle accidentally causes damage to someone else’s property, we’ve got you covered for up to $20,000,000 in legal liability.4

Fire

With our Comprehensive insurance, we’ll provide cover if your motorcycle is damaged by fire.1

Towing costs

Under our Comprehensive policy, you’ll be covered for the cost of towing your motorcycle to, and storing it at, the nearest suitable place for safekeeping after an insured event.6

Emergency accommodation, transport and repairs

If your motorcycle is damaged in an insured event and isn’t safe to ride, and you're more than 100km from home, we’ll reimburse up to $1,000 combined for your emergency accommodation, transport or repairs.7

Earthquake

Earthquakes are relatively rare in Australia, but it’s still nice to know you’ll be covered if your motorcycle is damaged by one.2

Locks and keys

This feature of our Comprehensive policy covers up to $1,000 after excess for the cost of replacing your keys or recoding the locks if your motorcycle keys are stolen.1

Personalised registration plates

If your personalised registration plates are lost or damaged as the result of an insured event, we’ll replace them.1

Temporary replacement cover

If you sell or give away your current motorcycle, we’ll insure your replacement bike for up to 14 days.8

Counselling services

If you, listed riders or household members need access to counselling services following an incident where a claim has been accepted, you’ll be covered for up to $1,500 per person towards the cost of the counselling sessions.4

Funeral expenses

If a rider of your motorcycle sustains a fatal injury as a result of an insured event while riding the motorcycle with your permission, we will pay $5,000 to the deceased rider’s estate for the purposes of meeting expenses incidental to a funeral, burial or cremation.2

Our Comprehensive policy covers your motorcycle for theft or attempted theft.1

With our Comprehensive cover, if your motorcycle breaks down, emergency roadside assistance is included as standard. Some limits and fees apply.3

Comprehensive policies include cover for accidental damage caused to the motorcycle, either by you or by someone else.2

Comprehensive policies include cover for damage to the motorcycle caused by a storm, hail or flood.2

With our Comprehensive cover, you’ll be protected for up to $1,000 worth of your (or your pillion’s) riding gear if it’s stolen or damaged as a result of an insured event.6 You also have the option to upgrade this cover to up to $5,000 per claim and include personal items.5

Cover for intentional damage to the motorcycle by someone (other than you, a listed rider or anyone else who’s been given permission to ride it) is included under our Comprehensive cover.2

If your motorcycle accidentally causes damage to someone else’s property, we’ve got you covered for up to $20,000,000 in legal liability.4

With our Comprehensive insurance, we’ll provide cover if your motorcycle is damaged by fire.1

Under our Comprehensive policy, you’ll be covered for the cost of towing your motorcycle to, and storing it at, the nearest suitable place for safekeeping after an insured event.6

If your motorcycle is damaged in an insured event and isn’t safe to ride, and you're more than 100km from home, we’ll reimburse up to $1,000 combined for your emergency accommodation, transport or repairs.7

Earthquakes are relatively rare in Australia, but it’s still nice to know you’ll be covered if your motorcycle is damaged by one.2

This feature of our Comprehensive policy covers up to $1,000 after excess for the cost of replacing your keys or recoding the locks if your motorcycle keys are stolen.1

If your personalised registration plates are lost or damaged as the result of an insured event, we’ll replace them.1

If you sell or give away your current motorcycle, we’ll insure your replacement bike for up to 14 days.8

If you, listed riders or household members need access to counselling services following an incident where a claim has been accepted, you’ll be covered for up to $1,500 per person towards the cost of the counselling sessions.4

If a rider of your motorcycle sustains a fatal injury as a result of an insured event while riding the motorcycle with your permission, we will pay $5,000 to the deceased rider’s estate for the purposes of meeting expenses incidental to a funeral, burial or cremation.2

Need a little more cover? Have a look at our options.

There are some situations where you might need additional coverage. That’s why we offer a suite of optional covers, on top of our standard Comprehensive motorcycle cover. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.

Personal items and riding gear upgrade

If you have Comprehensive cover, you have the option of adding this to your policy. It upgrades from the standard riding gear cover to a maximum of up to $5,000 per claim, and includes up to $1,000 of cover per item for your personal items as well.5

Motorcycle trailer

If you have a motorcycle trailer and choose this optional extra with your Comprehensive policy, we’ll provide up to $5,000 of cover for your motorcycle trailer when it is being towed by your insured motorcycle, it is parked overnight at the address noted on your policy schedule or you, a listed rider or anyone acting with your permission are using it at another location and it is unattended for less than 24 hours.5

Hire car

If you have this optional cover, the cost of a compact hire car (rather than a motorcycle) will be covered for a period of up to 14 days if your registered motorcycle is out of action following an insured event.5

Note that Comprehensive cover already includes Extra Cover: Hire Car Following a Not at Fault Accident.

If you have Comprehensive cover, you have the option of adding this to your policy. It upgrades from the standard riding gear cover to a maximum of up to $5,000 per claim, and includes up to $1,000 of cover per item for your personal items as well.5

If you have a motorcycle trailer and choose this optional extra with your Comprehensive policy, we’ll provide up to $5,000 of cover for your motorcycle trailer when it is being towed by your insured motorcycle, it is parked overnight at the address noted on your policy schedule or you, a listed rider or anyone acting with your permission are using it at another location and it is unattended for less than 24 hours.5

If you have this optional cover, the cost of a compact hire car (rather than a motorcycle) will be covered for a period of up to 14 days if your registered motorcycle is out of action following an insured event.5

Note that Comprehensive cover already includes Extra Cover: Hire Car Following a Not at Fault Accident.

What's excluded?

Here are some exclusions to our Comprehensive motorcycle cover that are important for you to be aware of.

Damage due to poor materials or workmanship

We won’t repair any item that has poor or faulty design specification, materials, planning or workmanship, or a defect, unless that item is guaranteed under our Quality Guarantee.

Incidents outside your coverage period

We cannot provide cover for incidents that occurred before your cover started with us or after it ended. 

Coverage for improper riders

We won’t cover costs caused by your motorcycle being ridden with your knowledge or consent by someone without the required licence, with a suspended or cancelled licence, or by you or someone with your consent riding the motorcycle under the influence of drugs or alcohol.

Effects of the climate or weather

We won’t provide cover for damage caused by mould, rot, damp, or the effects of the climate or weather, unless as a direct result of an incident for which we’ve accepted a claim.

We won’t repair any item that has poor or faulty design specification, materials, planning or workmanship, or a defect, unless that item is guaranteed under our Quality Guarantee.

We cannot provide cover for incidents that occurred before your cover started with us or after it ended. 

We won’t cover costs caused by your motorcycle being ridden with your knowledge or consent by someone without the required licence, with a suspended or cancelled licence, or by you or someone with your consent riding the motorcycle under the influence of drugs or alcohol.

We won’t provide cover for damage caused by mould, rot, damp, or the effects of the climate or weather, unless as a direct result of an incident for which we’ve accepted a claim.

For full details on our policy exclusions, read the Product Disclosure Statement.

What you’ll need to get a motorcycle insurance quote.

The details of your motorcycle

To make sure your policy and premium are accurate, we’ll need to know the make, model, engine size and year of your motorcycle.

Your details

We’ll need your basic contact info, details about your riding history, and your licence type.

Personal or business use? 

Your premium might be affected if you’re using your motorcycle for any commercial purposes.

Details of other riders

It’s important that you let us know the name and riding history of anyone else who will be riding your motorcycle, so we can add them as a listed rider if necessary.

Parking address

We’ll need to know whether your motorcycle will be parked on the street, inside a locked garage, or at another location, because this could affect your premium.

To make sure your policy and premium are accurate, we’ll need to know the make, model, engine size and year of your motorcycle.

We’ll need your basic contact info, details about your riding history, and your licence type.

Your premium might be affected if you’re using your motorcycle for any commercial purposes.

It’s important that you let us know the name and riding history of anyone else who will be riding your motorcycle, so we can add them as a listed rider if necessary.

We’ll need to know whether your motorcycle will be parked on the street, inside a locked garage, or at another location, because this could affect your premium.

Motorcycle insurance FAQs

Have questions about motorcycle insurance? You might find the answers here.

VIEW THE PDS

The answer to this question depends on a number of variable factors, including your particular needs, situation and location. As our highest level of coverage, our Comprehensive insurance for motorcycles could help protect you from big bills if you have an accident while riding. It also includes 24/7 emergency roadside assistance, which could come in very handy if you break down.3  

To find the level of coverage that’s right for your circumstances, start a quote today.

With Youi Comprehensive motorbike insurance, you’ll have our highest level of protection and be covered for damage to your bike, as well as any damage it may cause to other people’s vehicles and property. You’ll also be covered for storms, floods, theft, fire and earthquakes. Plus, you’ll be covered for accidental and intentional damage to your bike, and get our 24/7 roadside assistance included as standard.3

Below we’ve listed the standard and optional product features that are applicable to our Comprehensive motorcycle insurance policies:

  • Accidental damage
  • Intentional damage
  • Storm, hail or flood
  • Fire
  • Theft
  • Earthquake
  • Legal liability
  • Towing costs
  • Personal transport
  • Emergency accommodation, transport and repairs
  • Hire car following a not-at-fault accident
  • Locks and keys
  • Personalised registration plates
  • Riding gear
  • Temporary replacement cover
  • Counselling services
  • Funeral expenses
  • Youi Roadside Assist
  • Hire car (optional)5
  • Motorcycle trailer (optional)5
  • Personal items and riding gear upgrade (optional)5

This information does not replace or vary our Product Disclosure Statement (PDS), so please read the entire PDS for details of features and benefits.

Your Comprehensive motorcycle insurance will remain valid for the length of time stated in your policy schedule, provided you have not missed a payment. Most Youi customers’ motorcycle insurance policy is valid for 12 months from the date of purchase/commencement. For more information, please read our PDS. 

With our Comprehensive motorcycle insurance, some of the exclusions you won’t be covered for include any damage caused by poor or faulty design specifications, materials, planning, or workmanship that you were reasonably aware of. You also won’t be covered if an incident happens outside of your coverage period. We don’t provide cover for incidents caused by, resulting or arising from you or another rider being under the influence of drugs or alcohol, or by you or someone else riding without a valid licence required for the bike. Finally, our Comprehensive motorcycle insurance won’t cover you for damage caused by the climate or weather (such as mould or rot), unless as a direct result of an incident for which we’ve accepted a claim.   

For full details on our policy exclusions, read the Product Disclosure Statement.

VIEW THE PDS

Guides 

Looking for more information? Catch up on our latest guides to navigate your motorbike insurance needs and answer some commonly-asked questions.

Motorcycles lined up on the footpath outside a shop
Articles and Guides.

Motorbike VS Motorcycle - What's the Difference?

Whether you know these two-wheeled vehicles as a motorbike, a motorcycle or you use the two terms interchangeably, is there actually a difference between them or is it just a case of semantics?
December 21, 2022
Car and motorcycle driving next to one another on a city road
Articles and Guides.

Car VS Motorcycle: Which Is Right For You?

There are so many different ways to get from A to B, but it’s up to you to choose the mode of transport that suits you best.
December 23, 2022

Disclaimers 

1 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS. 
2 Available with Comprehensive policies. For more details, see the PDS. 
3 Available with Comprehensive policies, some limits and fees may apply. For more details, see the PDS. 
4 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). For more details, see the PDS. 
5 An additional cost applies and is available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS. 
6 Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS. 
7 If your motorcycle’s unsafe to ride after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS. 
8 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies (excludes CTP). Limits apply. For more details, see the PDS.