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Motorcycle insurance

Passionately providing motorcycle insurance to bike lovers throughout Australia for over 50 years.


Dirt Bike Cover

Do you love dirt bike riding? Do you live for the thrill? Make sure you’re well covered with our specialist Dirt Bike Cover.



* Tailoring options not available on all products


Insure Up to 5 Motorcycles

You can insure up to five motorcycles, with different cover types, under one motorcycle insurance policy.


Adjust Your

Adjust your excess to select a premium that suits you if you choose a comprehensive motorcycle insurance policy.


If you choose our Comprehensive Motorcycle Insurance cover,
you can opt to add 24-hour roadside & personal assistance with
unlimited call outs.

* T&C's Apply

What are the different types of Insurance Cover?
  • Comprehensive motorcycle insurance will cover your Motorcycle if it is accidentally damaged, stolen or burnt anywhere in Australia. Comprehensive Insurance will also cover you for your liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia.
  • Third Party Fire and Theft Motorcycle Insurance will cover your Motorcycle if damaged by fire or stolen. This also covers you for your liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia.
  • Third Party Liability Motorcycle Insurance will cover you for your liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia.
  • Dirt Bike Cover is for unregistered or registered for recreational use Motorcycles only. This will cover you for fire, theft and 50% of the market value of your Motorcycle for accidental damage.

If you would like to discuss our cover options or have any insurance questions, please contact one of our friendly team members on 13RIDE (13 74 33) or via our online contact form.

How much will my bike be insured for?

Swann Insurance offers both Agreed value and Market value options on our Comprehensive insurance cover, giving you flexible options to choose from, at new business and renewal.

Market Value is the pre-accident value of your Motorcycle. We will determine this at the time we assess your claim, having regard to the age and condition of your Motorcycle and the kilometres it has travelled.

Agreed Value is the fixed amount we agree to cover your Motorcycle for in the current period of insurance.

Third Party Fire and Theft, Third Party Only and Dirt Bike Cover insurance policies are only offered with Market Value option.

What discounts are available?

Swann Insurance rewards responsible and safe riders. That's why we offer a number of discounts that may be available to you on your motorcycle insurance policy:

  • Rider Training Discount If you have completed an advanced accredited rider training course*
  • Security Device Discount If your bike is fitted with an electronic immobiliser or tracking device*
  • Multi Motorcycle Discount when you have two or more Motorcycles under one Insurance policy.
  • Named Rider Discount when you have two or more Motorcycles under one insurance policy and restrict the rider of the bike to the person named on the policy*

To check if you are eligible for these discounts, please refer to the Product Disclosure Statement (PDS) or contact us on 13RIDE (13 74 33)

Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.

*Rider Training, Security Device & Named Rider Discounts apply to Comprehensive Cover Only

Can anyone ride my bike and still be covered?

Yes, we don’t ask you to list additional riders on your insurance policy. The policy will cover other riders provided you have given them permission and they are legally allowed to ride your Motorcycle. Additional excesses may apply depending on the individual rider, their age and riding/driving history. Please note cover excludes theft whilst being tested by a prospective purchaser.

Please refer to the Product Disclosure Statement (PDS) for more information and additional excesses that may apply to other riders.

What additional benefits are included in my Comprehensive Motorcycle policy?

Our Comprehensive Motorcycle Insurance automatically includes additional benefits, such as:

  • Return of your Motorcycle if your Motorcycle is accidentally damaged more than 100 kilometres from your home
  • Faultless No Claim Bonus
  • 24 Months New Motorcycle Replacement
  • Trailer cover up to $1,000
  • Keys and Locks up to $2,000
  • Towing and clean-up costs
  • Emergency Repairs and Expenses up to $500
  • Hire Car reimbursement, $100 per day for up to 15 days if your Motorcycle is stolen

Please note minimum premiums apply. For more information on our included benefits, please refer to the Product Disclosure Statement (PDS) or call one of our friendly team members on 13RIDE (13 74 33)

Can I pay my Insurance Premium monthly?

Yes, you can! And there is no additional charge. Check your Policy Schedule for the set direct debit dates and feel free to contact us on 1300 307 926 if you would like to make any amendments to your motorcycle insurance policy payments.

Do you cover motorcycles for Business Use or Fast Food Delivery?

You can choose to create a motorcycle insurance policy that will cover your motorcycle for Business Use if it’s used by you or your employees in connection with a business. Unfortunately, some types of business use are not eligible for cover. Business use is not covered in NSW, or for Dirt Bike cover in any state.

We also offer motorcycle insurance for your bike if you use it for fast food delivery E.g. Uber Eats; just make sure you apply the business usage option to your insurance policy.

If you are unsure which usage applies to your bike, please call us on 13RIDE (13 74 33)

What extras can I add to my policy?

Under our Comprehensive Insurance policy, you can choose to add additional extras such as:

Helmet Cover – Cover your helmet if it is accidentally damaged as a result of an accident involving your Motorcycle.

No Claim Bonus Rating 1 Protection – Protect your Rating 1 following one unrecoverable or at fault claim per policy period.

Personal Items – If your Motorcycle is accidentally damaged, stolen or burnt, we will also pay up to the limit you have selected if any personal items belonging to you or a member of your family are damaged, stolen or burnt. Items include sunglasses, GoPro and laptop. If you have any queries about personal items, please contact 13RIDE (13 74 33).

Riding Gear and Gear Bags – Protection for clothing and protective safety items which are purposely made for motorcycle riding and worn by you. This includes jackets, pants, riding boots and gloves.

Roadside and Personal Assistance – never be stranded again with 24/7 Australia wide roadside assistance.

These benefits incur an additional premium and are not automatically included in your policy.

Do you offer Liability cover?

Yes. We will cover you for your Legal liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia while you were using your motorcycle, up to $20 million, including legal costs & expenses.

For more information on liability cover, including limits and where liability cover does not apply, refer to the Product Disclosure Statement (PDS).

*Legal liability is not available on Dirt bike cover

Do you allow non-standard modifications?

We’re flexible and cover a long list of non-standard modifications to your motorcycle. These should be selected during your quote process to ensure they are covered under your motorcycle insurance.

If you are unsure about the acceptability of any non-standard modifications on your bike, please call us on 13RIDE (13 74 33)

Do you cover off-road bikes?

Yes, we offer Dirt Bike Cover for unregistered or registered for recreational use dirt Motorcycles.

How do I make a claim?

You can lodge a claim 24 hours a day through our website or by contacting us on 1300 657 318 for a claim form as soon as something happens that you believe you can claim for. If you are registered for access to the Customer Portal you can lodge a motorcycle or motor vehicle claim quicker.

Do you offer a guarantee on repairs?

We will guarantee the quality of workmanship and materials on authorised repairs, including any sub-let repairs, for the life of the Motorcycle at no extra cost to you, while the Motorcycle is under your ownership. For example, our workmanship guarantee would apply to respraying a replaced panel.

What if I want to cancel my policy mid-term?

You can cancel your motorcycle insurance policy at any time by mail, email or by calling us. If you do request cancellation, we will retain an amount from the premium you have paid to cover the time that the insurance had been in force and our cancellation fee of $50 and refund the balance to you. If we receive your cancellation request within 21 days from the insurance start date and you have not made a claim on this insurance, we will refund your Premium in full. You should also be aware if your Motorcycle is subject to a finance agreement, we may need the financier’s permission before we can cancel your motorcycle insurance.

Do Swann Insurance offer Compulsory Third Party (CTP)?

We no longer offer Swann Insurance branded Compulsory Third Party Motorcycle Insurance, commonly referred to as CTP or Greenslip. However, our sister brand NRMA is able to assist you further.

In most states in Australia, Compulsory Third Party is automatically included with your registration fees however some states such as NSW, ACT and QLD you do get the option of choosing an Insurer.

If you are an existing customer and currently hold Swann branded CTP and have a claim enquiry, please contact 1800 032 220.

Can I insure multiple motorcycles?

If you have multiple motorcycles you wish to insure under one policy, Swann offers a Multi Bike insurance policy.

Who do I speak to if I have more questions?

We’re here to help. You can contact us on 1300 307 926 Monday to Friday 8:30am to 6pm AEST or by filling in your details in the online contact form

Who do I call if I breakdown?

If you have Comprehensive Motorcycle Insurance and have chosen the optional benefit of Personal and Roadside Assistance, please call 1800 767 766 at any time 24 hours a day / 7 days a week.