Get a quote and fill in the online entry form and a Triumph Speed Twin 1200 RS motorcycle could be yours!
Runners up will win 1 of 20 Triumph 25L Ultralite bags.
Tailor your policy by choosing to insure your motorcycle for its market value or an amount we agree to.
We're here to help. If your motorcycle is involved in an accident and unsafe to ride, we can pay to have it recovered, towed, and stored.
We can replace your brand-new motorcycle if it's written off within the first two years of its original registration, subject to availability in Australia.
Ride easy knowing that we guarantee the quality of all authorised repairs for as long as you own the motorcycle.
We can cover up to $500 of personal effects that are being worn or stored in a locked compartment if they're damaged as a result of the incident.
If your motorcycle is stolen, we can get you back on the road. Our Motorcycle Insurance cover can reimburse your compact hire car costs for up to 14 days or $1,000.
Protect more than just your motorcycle. We can pay up to $1,000 for accidental collision damage to your motorcycle's trailer or sidecar.
If your key, proximity key or remote locking device is stolen, we can pay up to $1,000 for a replacement key to get you back in the saddle.
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement.
Compare before you buy and choose the Motorcycle Insurance that's right for you. Not all benefits apply to all levels of cover.
Compare CoverComprehensive Motorcycle Insurance covers loss or damage to your motorcycle as a result of an accident, theft, severe weather, vandalism, and fire; and your liability for accidental damage your motorcycle causes to other people's property.
This provides the same cover as Third Party Property Only, with extra protection against loss or damage to your motorcycle due to fire and theft.
Third Party Motorcycle Insurance covers your liability for the accidental damage your motorcycle causes to other people’s property, including their vehicles and homes.
Terms, conditions, limits and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details on what’s covered by Budget Direct Motorcycle Insurance.
Budget Direct Comprehensive Motorbike Insurance protects you against loss or damage to your motorcycle as a result of an insured event as well as legal liability for accidental damage your motorcycle causes to other people's property.
Our Comprehensive Motorcycle Insurance policies can cover:
Budget Direct Motorbike Insurance does not offer cover damage or loss in every circumstance. There are exclusions such as:
Terms, conditions, limits and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details on what’s covered by Budget Direct Motorcycle Insurance.
Budget Direct Motorcycle Insurance will make sure you're protected with our range of benefits including:
24/7 claims,
365 days a year
A lifetime guarantee
on authorised repairs
Tailor-made cover
with optional extras
and adjustable
excess
Rider Age Restrictions
to reduce your premium
Comprehensive customers can choose one or more of our four optional extras, including a hire car following an accident, and cover for their riding gear.
Depending on the value of your motorcycle, you may be able to increase your Basic Excess in return for a lower premium.
If you haven’t made a claim, you can cancel your policy within 21 days of the purchase date and receive a full refund of your premium.
You can pay your premium either monthly or annually, by credit card or direct debit from your bank account.
The following Optional Benefits may be available for additional premium on Comprehensive Policies only.
If we accept your claim, we'll arrange a compact hire car for you to use while your motorcycle is being repaired for up to 14 days.
If we pay a claim for loss or damage to your motorcycle, we will also cover your and/or your pillion passenger’s helmet and riding gear (up to 10 years old) if they’re damaged as a result of the incident, up to the limit you choose of $1,000, $2,000, or $3,000.
If you have a claim with us, you can nominate your preferred repairer (subject to our approval).
Reduce your excess for damage to your motorcycle’s windshield to just $40.
You can add one or more of these benefits when you get a quote and buy a policy. If you’ve already bought one, you can add them by contacting us.
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement.
If you need to make a claim, we’re here to help you get back on the road as quickly and smoothly as possible.
Make a ClaimWith Budget Direct, you can conveniently make a claim at any time of the day or night, 365 days a year by contacting us on 1300 306 560.
The information on this page is a summary only. For more details about Budget Direct Motorcycle insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement (PDS).
Produce Disclosure StatementBudget Direct offers three types of motorcycle insurance cover:
The type of cover you have is shown on your motorcycle insurance certificate.
With Budget Direct, you can insure your motorcycle for its market value or, in some cases, for an agreed value.
Market value is the value of the motorcycle at the time of loss or damage, taking into account factors such as the make, model, age, kilometres travelled and overall condition.
Agreed value is the amount we agree to insure your motorcycle for during each 12-month term of insurance. It includes any specified maximum value you have selected for additional accessories or modifications.
The value for which your motorcycle is covered is shown on your insurance certificate.
Comprehensive policyholders can add an optional ‘Choice of repairer’ benefit to their policy. An additional premium may apply.
If you’ve selected this option, you can nominate your preferred repairer when you lodge your claim.
We’ll ask you to provide us with photos of the damage and a quotation for the repairs, so we can determine whether:
If either of these criteria is not met, we may decide not to authorise the repairs and, instead offer you the option of:
If the motorcycle is unsafe to ride, we will pay the cost to tow the motorcycle to your preferred repairer up to a maximum of 100 kilometres.
Note that, if we authorise your nominated repairer to undertake the repairs, we’ll guarantee the quality of the repairs. However, we’re not responsible for the time it takes to complete them.
Yes — repairs authorised by us are guaranteed for as long as you own the motorcycle.
A motorcycle insurance excess is the fixed amount you pay towards an at fault claim.
Depending on the circumstances of the incident that led to your claim, you may have to pay more than one excess: your Basic Excess plus any additional excesses that apply.
For example, if someone aged 24 years old causes an accident while riding your motorcycle, you’ll have to pay your Basic Excess (let’s assume it’s $600) plus an additional excess of $500 due to the rider’s age.
It means that, if the damage bill was $3,000, say, you would pay $1,100 and we would pay $1,900.
If you make a claim for damage only to your windshield, you’ll be required to pay a windshield-only excess.
Your Basic Excess, the additional excesses and windshield-only excess are shown on your insurance certificate.
If you make a claim, we’ll tell you which excesses apply and when and how to pay them.
You won’t have to pay an excess if the accident is deemed a no-fault accident.
WIN 1 of 2 Triumph Motorcycles Disclaimer
~Subject to the Terms and Conditions, the Promoter is giving Eligible Entrants the chance to win one (1) of two (2) Triumph Motorcycles or one (1) of twenty (20) Triumph Ultralite bags when they complete a quote and online entry form (max 5 entries per Prize Period) and/or purchase a new Budget Direct Motorcycle Insurance policy via the quote (10 entries each policy, unlimited for each Prize Period) (Promotion). Entrants must be 18 years of age or older and use a valid email address to be eligible. The policy must be held continuously for 21 days from the purchase date to qualify for the 10 entries. The Promotion commences at 12:01am AEST on 5th November 2025 and ends at 11:59pm AEST on 24th June 2026 (Promotion Period). The winner will be notified via email within two (2) business days. Entrants may enter both draws during both Prize Periods, entry into one draw does not automatically create an entry into the other draw. Promotion is not open to customers renewing or varying their existing Budget Direct Motorcycle policies. Employees of the promoter and their immediate families are ineligible to enter the promotion. Eligibility and participation criteria apply. See full Terms and Conditions. Promoter: Auto & General Services Pty Ltd ABN 61 003 617 909, PO Box 342 Toowong QLD 4066. NSW Authority Number: NTP/14812, ACT Permit No: TP 25/02545, SA Licence No: T25/1913
