Skip to main content

Benefit 25: Motorcycle Pack

This benefit provides optional cover for riding or being a passenger on a motorcycle, moped or scooter in the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

  • You only have this benefit if You purchased the Motorcycle Pack.
  • You must be aged 74 and under at the date of Policy issue to purchase the Motorcycle Pack.
  • There is no cover for motocross, jumping, racing or competition of any sort.
  • There is no cover for riding off road, cover is available when riding on either sealed or unsealed public roads only.
  • There is no cover under Benefit 19: Rental Vehicle Excess for motorcycles, mopeds or scooters.
  • There is no cover under Benefit 14: Luggage & Personal Effects for items left with a motorcycle, moped or scooter, even in a Locked storage compartment.
  • If You are the rider in control of a motorcycle, moped or scooter with an engine capacity of 125cc or less, You must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that You are riding in.
  • If You are the rider in control of a motorcycle, moped or scooter with an engine capacity greater than 125cc, You must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that You are riding in.
  • If You are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that You are in.
  • You must comply with the restrictions of Your Australian license, as well as the local laws.
We will pay

For claims that are covered by the benefits of Your Policy (excluding Benefit 10: Permanent Disability, Benefit 18: Personal Liability or Benefit 19: Rental Vehicle Excess) if You have purchased the Motorcycle Pack and the claim Arises due to You being the rider or passenger on a motorcycle, moped or scooter.

We will not pay
  • If You were under the influence of drugs or alcohol.
  • If You were not wearing a crash helmet.
  • If You were acting in an unlawful manner.
  • If You are the rider in control of a motorcycle, moped or scooter with an engine capacity of 125cc or less and do not hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that You are riding in.
  • If You are the rider in control of a motorcycle, moped or scooter with an engine capacity greater than 125cc and do not hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that You are riding in.
  • If You are the passenger on a motorcycle, moped or scooter and the person in control does not hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter being ridden, or their licence is not valid for the country that You are in.
  • If You are riding or are the passenger on a motorcycle, moped or scooter being ridden off road or on a closed road.
  • For any medical or ancillary expenses incurred in Australia.
  • If the claim or loss is for Permanent disability under Benefit 10, personal liability under Benefit 18, or Rental vehicle excess under Benefit 19.

Please also read General Exclusions that apply to all benefits.