Motorcycle Insurance Solved™ with Budget Direct
Not all benefits apply to all levels of cover. Compare cover
Terms, conditions, limits and exclusions apply.
For full details, please read the Product Disclosure Statement.
Choose your cover
Comprehensive 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.
Third Party Property Only Insurance
Covers your liability for the accidental damage your motorcycle causes to other people’s property, including their vehicles and homes.
Third Party Property, Fire and Theft Insurance
Provides the same cover as Third Party Property Only, with extra protection against loss or damage to your motorcycle due to fire and theft.
Which type of motorcycle insurance do I need?
Compare our products and choose one that suits you.
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The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.
How to make a claim
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 claim on your motorcycle insurance policy.
Frequently asked questions
Which types of motorcycles does Budget Direct insure?
We insure a wide range of on-road and off-road motorcycles against accidental loss or damage, namely:
- road bikes
- scooters
- cruisers
- enduro motorbikes
- sports bikes
- dual-sport motorcycles.
Do you insure motorcycles used for business?
No — Budget Direct does not insure motorbikes used for business of any kind, including:
- carrying passengers for payment
- carrying or delivering other people’s goods for payment, whether as a contractor or otherwise (e.g. parcel or food delivery)
- riding tuition for payment
- hiring the motorcycle to other people.
We cover only motorbikes used privately, including for commuting to and from your home and regular place of work.
Does motorcycle insurance cover modifications?
A wide range of aftermarket modifications are covered under our Comprehensive insurance. However, certain aftermarket modifications are not covered, such as:
- custom paintwork (excluding decals/stickers)
- ECU (electronic control unit) remap or upgrade
- frame or subframes
- nitrous oxide kit
- turbo or supercharged.
When getting a quote and buying insurance, you’ll need to tell us the value of your modifications and accessories. If any circumstances change while you’re covered, you’ll just need to let us know as soon as possible, just so your coverage isn’t affected.
Which riders must be listed on my policy?
You must list any household members (including learner, provisional and occasional riders) who may ride the motorcycle. Unlisted household members will not be covered.
Any non-household members who ride the bike are automatically covered. If you list them on your policy, you’ll avoid having to pay the unlisted rider excess (other excesses may apply).
If I make an insurance claim, what will my excess be?
Unless you or another rider of your motorcycle have a no-fault accident, you’ll be required to pay:
- your Basic Excess
- as well as any other additional excesses, which might apply if the rider:
- is under 25 years of age inclusive
- has not held a full Australian licence for two or more years
- is not listed as a rider on your insurance certificate.
The dollar amounts of your Basic Excess and the additional excesses are shown on your Insurance Certificate.
Motorcycle Insurance Knowledge Base
Your questions about insurance all answered in one place.
