Swann Insurance

WHY CHOOSE SWANN

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Pay By The Month at no extra charge

Choose monthly repayments to help spread the cost of your insurance policy over the year. We cover the monthly direct debit fees, saving you more.

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Agreed or Market Value

You can choose to insure your bike for either agreed or market value.

We also cover a long list of non-standard modifications to your motorcycle. These should be selected during your quote process to ensure they are covered.

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

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Helmet & Riding Gear

Choose to cover your helmet & riding gear for accidental damage as a result of a motorcycle accident.

This option applies to comprehensive cover only. For policy limits please refer to the Product Disclosure Statement (PDS).

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Flexible cover options

You can choose to:

  • Offset your premium by increasing your basic excess
  • Protect your Rating 1
  • Cover your personal items if your motorcycle is accidentally damaged, stolen or burnt
  • Lower your premium by restricting the policy to only one rider

These option apply to comprehensive cover only. For policy limits please refer to the Product Disclosure Statement (PDS).

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Business use & Food delivery

We’ll cover your bike if you use it for food delivery. Just make sure you apply the business usage option during your quote.

This type of usage is not covered in NSW, or for Dirt Bike cover in any state.

If you are unsure about the most suitable usage option for your bike, please call us on 13RIDE (13 74 33)

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Personal & Roadside Assistance

Choose to add 24-hour roadside & personal assistance with unlimited call outs.
Roadside assistance: if your motorcycle is immobilised for any reason such as flat battery/tyre, running out of petrol, mechanical problems.
Personal assistance: If you are unable to ride your motorcycle due to injury/illness while riding, fine or infringement.

This option applies to comprehensive cover only. For more information please refer to the Product Disclosure Statement (PDS).

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Multi-bike discount

Cover more than one bike under the one policy and save up to 10% off each bike.

Save up to 5% more if you have a multi-bike policy and select to be the only rider.

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

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New Motorcycle Replacement

If your motorcycle is a total loss, is less than 24 months old, and has been insured with us since first registration, we will replace your motorcycle with a new motorcycle provided one is locally available.

This option applies to comprehensive cover only. For more information please refer to the Product Disclosure Statement (PDS).

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Scroll down to find out more

WANT TO SAVE?

up to $20

Rider training discount:

If you have completed an advanced accredited rider training course
up to 5%

Security device discount:

If your bike is fitted with an electronic immobiliser or locking device
up to 5%

Named rider discount:

Restrict the rider of the bike to the person named on the policy
up to 15%

Multi-bike discount:

Cover more than one bike under a single policy

COVER COMPARISON

Events you’re covered for

COMPREHENSIVE

THIRD PARTY, FIRE
AND THEFT

THIRD PARTY
LIABILITY

DIRT BIKE COVER

Accidental Damage

Damage caused to your motorcycle following an accident.

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Malicious Damage icon-check icon-dash icon-dash icon-dash
Theft icon-check icon-check icon-dash icon-check
Fire icon-check icon-check icon-dash icon-check
Bushfire and Grassfire icon-check icon-dash icon-dash icon-check
Cyclone icon-check icon-dash icon-dash icon-dash
Flood and Storm icon-check icon-dash icon-dash icon-dash
Legal Liability icon-check icon-check icon-check icon-dash
Keys and Locks icon-check

$2.000

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New Motorcycle Replacement icon-check

24 months

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GET A QUICK QUOTE
pay-by-icon

PAY BY THE MONTH

Choose monthly repayments to help spread the cost of your cover. We cover
the monthly direct debit fees, saving you more.

FAQS

Can anyone ride my bike and still be covered?

Yes, we don’t ask you to list additional riders on your policy. The policy will cover other riders provided you have given them permission and they are legally allowed to ride your motorcycle. Please note that this excludes theft whilst being tested by a prospective purchaser.

Please refer to the Product Disclosure Statement (PDS) for more information.

What discounts can I get?

COMPREHENSIVE

COMPREHENSIVE

THIRD PARTY, FIRE
AND THEFT

THIRD PARTY
LIABILITY

DIRT BIKE COVER

Multi Motorcycle Discount icon-check icon-check icon-check icon-check
Rider Training Course Discount icon-check icon-dash icon-dash icon-dash
Named Rider Discount icon-check icon-dash icon-dash icon-dash
Security Device Discount icon-check icon-dash icon-dash icon-dash
Do you cover my bike for business use?

You can choose to cover your motorcycle for business use if it’s used by you or your employees in connection with a business. Some types of business use are not eligible for cover. This type of usage is not covered in NSW, or for Dirt Bike cover in any state.

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

Do you cover my motorcycle for fast food delivery?

Yes, we cover 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 policy.

This type of usage is not covered in NSW, or for Dirt Bike cover in any state.

If you are unsure about the most suitable usage option for your bike, please call us on 13RIDE (13 74 33)

What extras can I add to my policy?

COMPREHENSIVE

THIRD PARTY, FIRE
AND THEFT

THIRD PARTY
LIABILITY

DIRT BIKE COVER

Helmet cover icon-check icon-dash icon-dash icon-dash
No claim bonus rating 1 protection icon-check icon-dash icon-dash icon-dash
Personal items icon-check icon-dash icon-dash icon-dash
Riding gear and gear bags icon-check icon-dash icon-dash icon-dash
Roadside and Personal Assistance icon-check icon-dash icon-dash icon-dash
Do you allow non-standard modifications on my motorcycle?

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.

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 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).

Do you cover off-road bikes?

Yes, we offer Dirt Bike cover for unregistered or registered for recreational use dirt motorcycles. Click here for full details on our Dirt Bike cover.

What additional benefits do you include for no extra?

COMPREHENSIVE

THIRD PARTY, FIRE
AND THEFT

THIRD PARTY
LIABILITY

DIRT BIKE COVER

Return of Motorcycle icon-check icon-dash icon-dash icon-dash
Faultless No Claim Bonus icon-check icon-dash icon-dash icon-dash
New Motorcycle Replacement icon-check

24 Months

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Trailer icon-check

$1,000

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Keys and Locks icon-check

$2,000

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Emergency Repairs and Expenses icon-check

$500

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Hire Car Reimbursement icon-check

$100/day (15 days)

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Uninsured Motorist Extension icon-dash icon-check

$5.000

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$5.000

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How do I make a claim?

You can lodge a claim through our website at https://www.swanninsurance.com.au/claim/motorcycle/ or contact us on 13RIDE (13 74 33) for a claim form as soon as something happens that you believe you can claim for.

Important motorcycle insurance considerations

If you have questions about motorbike insurance, this guide’s for you. It answers some common questions and explains what an insurance company will consider when they create your policy.

1. The type of motorcycle and value

The value of your motorcycle and whether you select to cover your bike for an agreed or market value will be a factor in determining the price of your bike insurance. Your insurance company will also consider the type of motorcycle you have, whether it’s a cruiser, touring, sports, scooter, enduro or dirt bike.

2. Your age, riding/driving experience and history

To nobody’s surprise, it’s a higher risk to insure a younger, less-experienced rider throttling a 1000cc beast, than is is to insure a rider with years of experience. The longer and cleaner your driving and riding history, is the less you can expect to pay for insurance. Additionally, the age of other riders using your bike and their driving and riding history can influence the premium calculation for motorbike insurance.

3. Your storage location

Motorcycle insurance companies keep track of the number of thefts and accidents by suburb. If you live in a place where incidents are frequent, your premium will be higher. Therefore, your postcode impacts your premium calculation.

4. The number of motorcycles you insure

Do your own more than one ride? If so, you may qualify for a multi-motorcycle discount of up to 15% by insuring all your bikes under the one policy with Swann Insurance.

Tip: Make sure you don’t miss out on potential discounts by finding a tailored policy that fits your lifestyle.

Who’s got your back if things take a nasty turn?

With the wind on your face and the open road ahead of you, you want to ride with comfort, knowing you’re protected by a team that’s been helping bike lovers for over 50 years. To see how much you can save with one of Australia’s leading providers of motorcycle insurance, Click here – you’ll get a Quick Quote in under one minute, or give us a call on 13 74 33

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