WHY CHOOSE SWANN FOR SCOOTER INSURANCE?

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Business use & Food delivery

We’ll cover your scooter 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.

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

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Pay by the month at no extra charge

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

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Agreed or Market Value

Choosing a scooter insurance policy with Swann Insurance allows you to insure your scooter for either agreed or market value.

We also cover a long list of non-standard modifications to your scooter. 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 scooter, please call us on 13RIDE (13 74 33)

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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 scooter 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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Keys & Locks

If the keys to your scooter have been lost, damaged or stolen, we will pay up to $2,000 to replace your scooter keys and/or locks with no excess. This benefit applies to comprehensive cover only.

For policy limits please refer to the Product Disclosure Statement (PDS).

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Multi-bike discount

Cover more than one scooter or motorcycle under the one policy and you can save up to 10% off each bike on your scooter insurance policy.

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 scooters, with different cover types, under the one policy. Please note minimum premiums apply.

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New Scooter Replacement

If your scooter is a total loss, and is less than 24 months old from the original registration, we will replace your scooter with a new scooter provided one is locally available.

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

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Helmet & Riding Gear

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

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

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Scroll down to find out more

COVER COMPARISON

Events you're covered for:

COMPREHENSIVE
  • Accidental Damage

    Damage caused to your scooter following an accident.

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

    $2.000

  • New Motorcycle Replacement icon-check

    24 months

THIRD PARTY, FIRE AND THEFT
  • Accidental Damage

    Damage caused to your scooter following an accident.

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

     

  • New Motorcycle Replacement icon-dash
THIRD PARTY LIABILITY
  • Accidental Damage

    Damage caused to your scooter following an accident.

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

     

  • New Motorcycle Replacement icon-dash

WANT TO SAVE?

You could save on your scooter insurance with any of the options below.

up to 5%

Rider training discount:

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

Security device discount:

If your scooter is fitted with a tracking device and/or immobiliser.
up to 10%

Multi-bike discount:

Cover more than one scooter or bike under a single policy
up to an additional 5%

Named rider discount:

When you have a Multi-bike policy and you select to be the named rider.
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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.

Can I insure my scooter as a food delivery driver?

Yes, provided that ‘business use’ and ‘food delivery’ are selected as the main use for the scooter, not ‘private use.’ Food delivery insurance for riders is very important, given the number of kilometres that many riders do each day. Business use is not covered in NSW. If you are unsure which usage applies to your bike, please call us on 13RIDE (13 74 33)

Do I need to be listed as the rider in order to be covered?

No. While fast food delivery companies often require that riders’ names are listed on an insurance policy in Australia, Swann motor scooter insurance doesn’t require you to list them, as all riders of a scooter are automatically covered, provided they are legally allowed to ride a scooter. Additional excesses may apply depending on the individual rider, their age and riding/driving history.

Does Swann scooter insurance cover hiring out of motor scooters?

No. Scooters that are hired aren’t covered by Swann motor scooter insurance in Australia. This includes hired scooter for tour groups, self-guided tours, or riders who hire a bike for use as a delivery rider.

What are the different types of Insurance Cover?
  • Comprehensive insurance will cover your scooter 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 Insurance will cover your scooter if it is 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 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.

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

How much will my scooter be insured for?

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

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

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

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

What discounts are available?

We offer a number of discounts that may be available to you:

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

Please note minimum premiums apply. 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)

Can anyone ride my scooter 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 scooter. 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 Scooter policy?

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

  • Return of your scooter if your scooter is accidentally damaged more than 100 kilometres from your home
  • Faultless No Claim Bonus
  • 24 Months New Scooter 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 scooter is stolen

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). Alternatively, you can also visit us here to learn why you should choose Swann for your comprehensive scooter insurance.

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.

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 scooter.

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

Personal Items – If your scooter 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/scooter 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.

You can read more here on why you should choose Swann Insurance for your comprehensive scooter insurance 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 scooter, up to $20 million, including legal costs & expenses.

Liability cover is included in Comprehensive Insurance, Third Party, Fire and Theft Insurance, and Third Party Liability Insurance. For more information on our liability cover, including limits and where liability cover does not apply, refer to the Product Disclosure Statement (PDS).

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  Monday-Friday 8.30am-6.00pm AEST 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 scooter,  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 scooter at no extra cost to you, while the scooter 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 insurance 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 scooter is subject to a finance agreement, we may need the financier’s permission before we can cancel your insurance.

Does 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 Motorcycle Insurance is automatically included with your registration fees however in 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 scooters?

When you have more than one scooter or motorbike and would like them to be covered under one policy, a Multi Bike Policy is for you.

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 Scooter 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.

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