Hit the open road with confidence
Comprehensive Motorcycle Insurance covers your motorcycle for things such as accidental damage, collision or crash, fire, flood, storm, theft or attempted theft, vandalism or a malicious act.
CGU also covers any licensed rider who rides your motorcycle, even if they're not listed on your policy.1
Motorcycle Insurance includes:
- Collision or crash
Cover your motorbike for loss or damage resulting from collisions or crashes. - Accidental damage
Cover your motorbike for loss or damage caused by accidental damage. - Theft and vandalism
Cover for your motorcycle if it's stolen, vandalised or accidentally damaged. - Fire, storm, flood and earthquake
You’re covered if your motorbike is damaged by fire, storm, flood or tsunami. 2 - Emergency repairs
Emergency repairs (up to $800) after a covered incident.
- New replacement
If your bike’s written off in its first two years, CGU tries to replace it with a similar new bike. - Liability cover
CGU covers your legal liability in certain situations if someone's property's damaged by your motorcycle (up to $20m). - Tools of trade
Tools of trade up to $1,500 (business use vehicles) after a covered incident. - Helmet replacement
If your helmet is damaged in a covered incident, we will pay for the cost to replace it.
Optional cover
Hire car cover
Add an option to hire a car after an incident CGU covers, up to $75 a day for up to 21 days.
Protective clothing
If your protective clothing is stolen from your motorcycle or damaged in an incident CGU covers, we will pay the cost to replace them.
Why choose to insure through CGU?
Flexible payment options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Claims guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs, valid for as long as you own the motorbike.
Manage your insurance online
For policies purchased or renewed after 20 May 2025, certain updates can be made online.
Manage your insurance online
For policies purchased after 16 June 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at .
For significant changes, like purchasing a new car, please call us directly at .
Manage your insurance onlineNeed to make a claim?
Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.
Important information
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations (TMDs).
1. Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.
2. CGU may not cover you for some severe weather events during an embargo period (which is usually when CGU knows a severe weather event is about to occur).