Comprehensive cover for your motorbike, including theft and damage plus lost or stolen key cover.
Comprehensive cover for your motorbike including theft and damage
Sudden and accidental loss or damage to your motorbike
If your motorbike is accidentally damaged but is repairable we’ll arrange to have it fixed or we’ll pay you the cost of getting it repaired.
If it’s not worth repairing or if it’s stolen and not recovered, we’ll pay you either the amount you had insured your bike for or its market value up to the sum insured. This depends on the condition of the motorbike when the loss happened. If the motorbike was less than a year old and you bought it new, we’ll replace it with a new one.
Repair or replacement value for your motorbike
You can get your motorbike repaired by any authorised repair service, but we guarantee the work if it’s done by one of our approved repairers.
Excess protection against uninsured drivers
You won’t have to pay the excess on a claim for damage caused by an uninsured driver if you can prove that it was the other driver’s fault, and give us the registration number of the other driver’s vehicle and their contact details. You’ll also need to help us recover your claim from the driver or the owner of the other driver’s vehicle.
Replace lost or stolen keys
We’ll pay the cost of replacing lost or stolen keys and if your claim is $300 or less you won’t have to pay an excess.
Up to $500 in medical expenses after an accident
If either you or your partner is injured in a motorbike accident that's covered by this policy and you need to pay for treatment, you’re covered for up to $500 per year.
Legal liability protection for damage and injury you cause
We’ll cover your legal liability if you damage someone else’s property or accidentally injure someone while you’re driving your motorbike or any other vehicle. Provided they’re approved in advance by us, we’ll also cover the costs of your legal defence.
This cover extends to anyone else driving your motorbike if you gave them permission to use it, they don’t have any other insurance and they meet the same terms of this policy as you.
If your motorbike isn’t driveable after an accident we’ll cover the cost of getting it to a repairer or safe place.
More about Motorbike comprehensive insurance
If a part that’s needed for your motorbike isn’t available in New Zealand, we’ll pay the last known price for it locally along with the reasonable fitting cost.
Road clearing expenses
We’ll pay the cost of clearing debris from a road or parking area after an accident that is covered by this policy.
Accidental death and disablement
If you or your partner die as the result of an accident covered by this policy, where either of you was driving your motorcycle at the time, we’ll pay out $2,000. We’ll also pay $1,000 for permanent loss of use of a hand, foot or eye.
We’ll cover up to $5,000 of the legal costs incurred by you, your partner or a family member of defending a charge such as manslaughter or dangerous driving causing death in relation to an accident on your motorbike.