NRMA Motorcycle Insurance review

NRMA ticks most of the basics, plus a few extra perks. It also offers optional-add ons for more customisation.

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Our verdict

Pros

  • Emergency repairs, transport and accommodation included in comprehensive cover
  • cover for protective gear
  • Specific cover available for vintage and classic motorbikes

Cons

  • No cover option for off-road motorbikes
  • There's no third party fire or theft option for motorbikes
  • No cover for personal items other than protective gear

Compare NRMA motorcycle insurance policies

Product
Roadside assistance
Accidental damage
Storm
Choice of repairer
Agreed or Market Value
NRMA Motorcycle Insurance logo
Optional
Agreed or Market
NRMA Motorcycle Insurance logo
N/A
NRMA Motorcycle Insurance logo
Optional
Agreed
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Features

NRMA's comprehensive motorcycle insurance covers the basics well and it includes plenty of options for further customisation in comparison to other motorcycle insurance providers.

Product Accidental damage Roadside assistance Fire and theft Agreed or market value
NRMA Motorcycle Insurance logo
Agreed or Market
QBE Motorcycle Insurance logo
Agreed or Market
Summary: QBE won our Green Insurer of the Year Award. Budget friendly and environmentally friendly.

Who it might be good for: Anyone on a budget who still wants good-quality cover.
Youi Motorcycle Insurance logo
Agreed or Market
Summary: Youi has earned a reputation for great customer service and offers 24/7 roadside assistance as standard. This is typically an optional extra.

Who it might be good for: People who value a good customer experience and want the ability to customise their policy.
Budget Direct logo
Agreed or Market
AAMI logo
Agreed
Summary: AAMI’s comprehensive motorcycle insurance policy covers more than some of its competitors with the inclusion of riding apparel as standard. For further coverage, more options to customise cover are available.

⭐ Current offer: $25 off when you buy online.

Who it might be good for: With a paperless claims process, AAMI could be good if you’re keen to manage everything online.
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Price

The below prices are for comprehensive motorcycle insurance policies and they're based on a fictional driver profile — it should be used as a guide only. Your own quote will differ based on the model of your motorcycle, your driver history and many other personal circumstances.
Keep in mind, the best motorcycle insurance for you may depend on more than price.

Provider Annual cost for $7,000 bike Annual cost for $29,000 bike
$804.14
$1,753.27
Unable to get online quote
Unable to get online quote
$539.34
$1,281.24
$1,103.81
Phone call needed to confirm quote
$688.33
$1,114.77
$521.81
Did not offer insurance.
$1,103.29
Phone call needed to confirm quote
$851.68
$2,428.02

What additional cover options are available?

Hire car - Get a hire car if your motorbike is out of action due to an insured event.

Windscreen cover - Make a claim for a damaged windscreen without paying any excess

Choice of repairer - Pick your own mechanic, as long as they have the necessary equipment, skills, capabilities, licences and authorisations to complete the repairs.

Compare other products from NRMA

Nicola Middlemiss's headshot
Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 245 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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