Suncorp Motorcycle Insurance

Motor insurance is a vital protection that we all need to have, whether we travel on four wheels or two. Accidents happen and even the most careful driver or motorcycle rider can be involved in an incident or have their vehicle stolen or damaged.

Suncorp Motorcycle Insurance offers three levels of cover, with a policy that’s right for you and your motorcycle. They include: Third Party Property Damage; Fire, Theft and Third Party Property Damage; and Comprehensive cover. All are underwritten by AAI Limited, one of Australia’s largest general insurers.

What cover options do Suncorp offer?

Suncorp Motorcycle Insurance has a policy to suit every rider’s needs, from basic cover through to insurance with all the bells and whistles. Choose from;

• Comprehensive
• Fire, Theft and Third Party Property Damage
• Third Party Property Damage

What kind of exclusions are there?

General exclusions that apply to Suncorp Motorcycle Insurance policies include any loss or damage arising from the following:

How much does Suncorp motorcycle insurance cost?

Factors that are used to determine the cost of your Suncorp Motorcycle Insurance include:

Is there any excess I should be aware of?

An excess is the amount you must pay for an incident when you make a claim. The total excess you will pay depends on the circumstances and you may be required to pay more than one type of excess when you claim.

The excesses which apply to Suncorp Motorcycle Insurance are:

• Standard excess. Applies to all claims, unless stated otherwise in your policy.
• Voluntary excess. You can choose a voluntary excess from the range offered to reduce your premium.
• Age excess. Applies if the rider is under 25 years of age at the time of an incident.
• Inexperienced rider excess. Applies if an inexperienced rider is in charge of the motorcycle at the time of an incident.

How do I make a claim?

If you are involved in an incident, here are the steps to take when making a claim on your Suncorp Motorcycle Insurance:

• Ensure everyone is safe (for emergencies call 000)
• Try to prevent any further loss or damage
• Report the incident to the police if someone is injured or your motorcycle has been maliciously damaged or stolen
• Record the time, date, report number and name of the recording police officer
• Record details of all drivers, passengers and witnesses
• Contact Suncorp Insurance as soon as possible on 13 25 24, making sure you have all these details on hand to assist with lodging your claim

Other questions you may have

• My friend is a learner rider. Are they covered on my motorcycle?

  Yes, providing they have a valid learner's permit and is listed as a rider on your policy.

• What about if I ride other motorcycles – will I be covered?

  No, you are only covered for the motorcycle listed on your policy.

• Will Suncorp replace my motorcycle if it is written off?

  Yes, if you have Comprehensive cover, your motorcycle will be replaced with a new one if it is less than two years old at the time of the incident.

• My friend and I were racing one another when I came off my bike. Am I covered for the damage?

  No. This is classed as reckless behaviour and is excluded from cover.

• What is market value and how does it differ from agreed value?

  Market value is what your motorcycle is worth on the open market, while agreed value is what you and your insurer agree will be paid to you if your motorcycle is a total loss.

Compare other products from Suncorp Bank

• Suncorp Bank credit cards
• Suncorp Bank savings accounts
• Suncorp Bank term deposits
• Suncorp Bank business loans

Written by

William Eve

Group publisher

Willam Eve is the country manager for Finder's Canada operations. He has previously held the positions of group publisher of insurance for Finder Australia and lead publisher for the Finder global team. William has a Bachelor of Communications from the University of Technology Sydney, Australia. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team. See full bio