Even the most careful motorcycle rider can be involved in an accident or have their bike stolen or damaged through no fault of their own, which is why motorcycle insurance is such an important protection to have.
Its motorcycle cover includes comprehensive and third party liability cover. It also offers scooter insurance. Swann insurance is underwritten by Insurance Australia Limited.
We don't currently have this brand on our panel. But don't fret! You can head to the Swann website or compare other motorcycle insurance cover with finder.
Each of these policies offers the following levels of cover:
Comprehensive. This policy includes cover for accidental and malicious damage, theft, fire, bushfire and grassfire, cyclone, flood and storm. You can get cover for the replacement of your motorcycle with a new one as long as it is no older than 24 months when the insured event occurs. You can also get cover for your trailer up to $1,000 each. You get cover for towing and clean-up costs as well. The comprehensive policy gives you cover for emergency repairs and expenses up to $500 and for a car hire up to $100 a day for up to 15 days. You also get up to $20 million cover for legal liability and can get a bonus for not making any claims.
Third party liability. This policy includes up to $20 million legal liability cover as well as up to $5,000 cover if an uninsured motorist damages your motorcycle.
Scooter insurance
Benefits
Comprehensive
Third party liability
Accidental damage
Yes
No
Malicious damage
Yes
No
Theft
Yes
No
Fire
Yes
No
Bushfire and grassfire
Yes
No
Cyclone
Yes
No
Flood and Storm
Yes
No
Legal liability
Yes
Yes
Return of motorcycle
Yes
No
Faultless no claim bonus
Yes
No
New motorcycle replacement
Yes
No
Trailer
Yes
No
Keys and locks
Yes
No
Towing and clean up cost
Yes
No
Emergency repairs and expenses
Yes
No
Hire car reimbursement
Yes
No
Uninsured motorist extension
No
Yes
Optional benefits for extra premium
Helmet cover
Yes
No
No claim bonus rating 1 protection
Yes
No
Personal Items
Yes
No
Riding gear and gear bags
Yes
No
Are there any exclusions I should be aware of?
All cover types are subject to general exclusions where Swann Motorcycle Insurance will not pay a benefit. These include the following:
Damage that occurred prior to an incident
Faulty workmanship or incomplete repairs
Wear and tear, depreciation or corrosion
The cost of hiring another motorcycle after an incident
Mechanical, structural, electronic or electrical failure
Tyre damage caused by punctures, bursting, cuts or brake application
Unauthorised repairs (other than emergency repairs)
An incident while your motorcycle was in an unsafe, unroadworthy or unregistered state
Failing to properly safeguard your motorcycle after an incident
Deliberate acts
Legal seizure
War, civil disturbance, nuclear waste or any nuclear material
Stealing or misappropriating your own motorcycle
Loss or damage while your motorcycle is on consignment
Loss or damage to any clothing as a result of an accident (except under the Riding Gear optional benefit)
Towing an illegal or unroadworthy trailer
Parts and accessories that have been removed from your motorcycle
Cost of importing parts not normally available from the distributor
Contamination from chemical or biological agents in an act of terrorism
Carrying hazardous or inflammable goods in illegal quantities
Carrying passengers for fare or reward
Participating in motor sports or at a motorcycle track (other than in an approved rider training course)
Unauthorised modifications
Having your motorcycle stolen while being tested by a prospective buyer
Damage by bushfire, grassfire or cyclone within 48 hours of your policy commencing.
How much does Swann motorcycle insurance cost?
Factors that influence the cost of your Swann Motorcycle Insurance include the following:
The make, model and type of motorcycle you ride
Your age and the age of others using your motorcycle
The value of your motorcycle
Any accessories and modifications you have made
Where your motorcycle is normally housed
Where your motorcycle is normally parked
Any security features your motorcycle has
Your driving/riding history
The extra options you choose to include
The level of basic excess you select
How you choose to pay your premiums (monthly or annually)
What's the excess like?
The excess is the bit you need to chip in when you make a claim. With Swann, there are five types of excess which apply:
Basic excess. The basic excess is the standard excess you'll be required to pay whenever you make a claim. The amount should be stated on your Policy schedule. You can increase the excess to reduce the cost of your premium, but only if you have comprehensive cover.
Age excess. This is the excess you must pay if the rider of your motorcycle at the time of an incident was under a certain age.
Licence excess. This is an excess you need to pay if the rider of your motorcycle held a learner's permit or a probationary or provisional licence at the time of an incident.
Theft excess. This is the excess you must pay if your motorcycle is stolen.
Special Excess. This excess is based on factors such as your riding, driving and criminal record, as well as the type of motorcycle you are driving. It'll be calculated when you apply for a policy and written on your policy schedule for a minimum of two consecutive years.
How do I make a claim?
Making a claim on your Swann Motorcycle Insurance involves the following steps:
You need to lodge your claim as soon as possible after an incident (preferably within 14 days) either on the website at www.swannmotorcycle.com.au or by calling 13 74 33.
You need to provide all reasonable assistance when requested, including giving honest, accurate information.
You need to provide documentation if requested (ie, police reports or any other documentation).
You need to refer all communications from other parties to Swann Insurance.
Other commonly asked questions
Yes, as long as they have a valid learner's permit and are listed as a rider on your policy. An additional excess will apply if they are involved in an incident.
If you have comprehensive cover, your motorcycle will be replaced with a new one if, within 24 months of purchase, it is involved in an incident and is a total loss.
Yes, since they will affect the cost of your premium.
No, you are only covered when riding the motorcycle that is listed on your insurance policy.
Yes, Swann Insurance lets you insure up to five motorcycles with different cover types. A multi-motorcycle discount applies if you insure more than one bike under one policy.
VIC riders have plenty of motorcycle insurance options to fit their riding style and to protect them from theft, property damage, natural disasters and more.
RAA Comprehensive Motorcycle Insurance provides new-for-old motorcycle replacement for up to two years, a lifetime guarantee on repairs and $20 million of legal liability cover.
GIO Motorcycle Insurance is backed by a 24/7 claims service and provides three cover options: Comprehensive Motorcycle Insurance; Fire, Theft and Third Party Property Damage Motorcycle Insurance; and Third Party Property Damage Motorcycle Insurance.
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