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Motorcycle Insurance

From the joy of an open road to a stress free commute, we know there’s a unique kind of freedom that comes with your bike. So protect what you love doing with our motorbike insurance - you can customise it to suit your bike and budget. And if something does happen when you’re on the go, we’ll sort it out for you. 

Most trusted brand award 2011 - 2016

Three levels of cover

Comprehensive Motorcycle Insurance

If your bike or scooter is a total loss we’ll pay you the Agreed Value for it. Otherwise, we’ll cover the cost to get it repaired. You’re also covered for transport, towing or storage costs if the bike gets damaged on the road. We’ll pay the retail price of the nearest equivalent helmet if your helmet is damaged and can even take care of your tools and accessories like storage boxes, exhausts and mag wheels. It’s the most comprehensive bike protection we offer.

Third Party Fire and Theft Motorcycle Insurance

If you accidentally cause damage to someone else’s property as a result of a bike accident we’ll protect you – and any passengers – against any claim up to $20million. Your bike is also covered if it’s a total loss because of fire, or stolen without a trace. If the bike is damaged by fire or theft but can be repaired we’ll organise and pay for that as well.

Third Party Motorcycle Insurance

Essential protection if you accidentally cause damage to someone else’s property as a result of a bike accident. We’ll protect you – and any passengers – against any claim up to $20million. And you’re protected from any accidental damage to your bike by an uninsured third party. We will pay for repairs or replacement up to a limit of $4,000

Motorcycle insurance cover

Our most popular

Compare our range

Third party

Third Party Fire & Theft

Compre­hensive

Cover for replacement motorcycle

Included

Included

Included

$20 million third party liability

Included

Included

Included

Legal costs

Included

Included

Included

No fault - no excess

Included

Included

Included

Uninsured driver protection

Included

Included

Included

Agreed Value

Included

Included

Included

Fire & theft extension

Included

Included

Included

Towing costs

Included

Included

Included

Long distance transport costs

Included

Included

Included

Helmet cover

Included

Included

Included

This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy document.

Compare our range

Cover for replacement motorcycle

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

$20 million third party liability

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Legal costs

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

No quote - no excess

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Uninsured driver protection

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Agreed Value

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Fire & theft extension

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Towing costs

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Long distance transport costs

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

Helmet cover

Third Party

Included

Third Party Fire & Theft

Included

Comprehensive

Included

This is only a summary of some of the benefits. For full details, exclusions and limitations please read your policy document.

Motorcycle Insurance policy benefits:

Uninsured Driver Protection

With Third Party or Third Party Fire and Theft you’re covered if an uninsured driver crashes into your motorbike or scooter. Provided you can identify the driver who was at fault, we’ll pay for any damage up to $4,000.

Helmet Cover

Sign up for Comprehensive Insurance and we’ll cover your bike helmet, and your passenger’s, for the New Zealand retail price of the nearest equivalent helmet– if it gets damaged or stolen.

Cover for damage to other people’s property

If you accidentally cause damage to someone else’s property as a result of a bike accident we’ll protect you against any claim up to $20million.

No Fault, No Excess

Accidents can and do happen, and are often out of your control. But if it turns out you weren’t to blame, and you can identify the driver who was at fault, you won’t have to pay an excess on your claim.

New Zealand wide cover

We’ll protect your bike on the road, no matter where you are in the country. 

Additional benefits for peace of mind:

Ready to get started?

Getting a quote only takes 5-10 minutes.

Call us on:

0800 500 231

It is important to note that limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. Cover is subject to underwriting acceptance.  For full policy and benefit terms and conditions please read the full Motorcycle Insurance Policy (PDF).

Request your policy

If you already have Motorcycle insurance with us and you'd like a copy of your policy document, we can send it to you.

Request your Insurance Policy

Existing customers

Make a claim

Pay / renew your policy

We’ve updated this policy

We recently made some changes to our insurance policies. 

Find out what’s changed

Request a copy of your policy document

Latest Policy Document

Want to know more about our Motorcycle Insurance policy? Read the full policy document online. 

Download PDF

Frequently asked questions

If you can't find the answer you're looking for, please email us or call on 0800 500 216

Why choose AA Insurance?

NZ's most trusted insurer

Thanks for voting us New Zealand's most trusted general insurance provider for six years running. Earning your trust is one thing. But keeping it is everything.

Our awards

We put you first

We put our customers' needs first and pride ourselves on working with them to eliminate stress and uncertainty. Just one reason why we have NZ's most satisfied customers.

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Easy, stress-free claims

Your personal Customer Manager will take care of your claim from start to finish. They'll keep you fully informed, making sure things stay on track and hassle-free.

Making a claim with us