What is an at-fault motorcycle insurance claim?
An ‘at fault claim’ is any claim that cannot be recovered from another party, either in part or in full, such as:
- an accident where we decide the rider of the Budget-Direct-insured motorcycle is partially or entirely at fault
- an accident where we decide the driver of the other vehicle or another person is entirely at fault but you cannot tell us their full name, residential address and vehicle registration number
- theft, attempted theft or a malicious act
- storm, wind or hail
- an accident involving an animal.
If you make an at-fault claim, you’ll need to pay the applicable excess/es.
What is a motorcycle insurance excess?
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 under the age of 21 causes an accident while riding your motorbike, you’ll have to pay your Basic Excess (let’s assume it’s $600) plus an additional excess of $600 due to the rider’s age.
It means that, if the damage bill was $3,000, say, you would pay $1,200 and we would pay $1,800.
If you make a claim for damage only to your windshield, you’ll be required to pay a windshield-only excess.
Your Basic Excess, and 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.
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 additional excesses that apply, namely:
- rider is under 24 years of age inclusive
- rider has not held an open Australian motorcycle licence for 2 or more years
- rider is not listed on your insurance certificate.
The dollar amounts of your Basic Excess and the additional excesses are shown on your insurance certificate.
Do I have to pay an excess if the accident was not my fault?
No — you do not have to pay an excess if you have a no-fault accident with another vehicle.
A no-fault accident is one that meets the following criteria:
- we decide the driver of another vehicle (or another person) was entirely at fault, and
- you tell us the at-fault driver’s full name, address, and vehicle registration number.
Can I choose my own repairer?
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:
- the quotation is competitive, and
- the proposed repair method is satisfactory.
If either of these criteria is not met, we may decide not to authorise the repairs and, instead:
- have your motorbike repaired by an alternative repairer chosen by us, or
- pay you the reasonable cost to satisfactorily repair your bike, as determined by us.
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.
Do you guarantee repairs to my motorbike?
Yes — repairs authorised by us are guaranteed for as long as you own the motorcycle.
This guarantee covers materials and workmanship.
Does the excess apply to each accident or incident?
An excess will apply to each individual incident or accident, where you are at fault. However, it’s best to refer to your Insurance Certificate and the PDS to determine whether an excess applies to those incidents, and what it might be.
If my motorcycle is a total loss, do I pay an excess?
Not if you or another rider of your motorcycle have an accident where we decide you are not at fault. Otherwise, if your motorcycle becomes a total loss, you’ll be required to pay an excess. This usually includes a Basic Excess, and any additional excesses that may apply.
These will vary between policies and circumstances, so it’s best to refer to the details in your Insurance Certificate, and the PDS, to understand exactly what the excess would be.
If my motorbike is stolen, do I pay an excess?
An excess will apply to all theft (and attempted) theft claims.
If my motorcycle windshield has been cracked or smashed, do I pay an excess?
If you have Comprehensive Motorcycle Insurance, there will be an excess to pay if your windshield needs repairs or replacing. This will be less if you opted for Reduced Windshield Excess when taking out your policy. To check if this applies to you, refer to your Insurance Certificate.
When is a Motorcycle Insurance excess paid?
If your motorcycle is approved for repairs, you’ll pay an excess before the repairs start. If the motorcycle cannot be repaired and is written off, we’ll deduct the excess from your final settlement.
It’s best to refer to your Insurance Certificate, and the PDS to determine when an excess will need to be paid, and how much it will be.
If my motorcycle has been maliciously damaged, do I pay an excess?
Yes, there is an excess to pay if your motorcycle has been vandalised, or maliciously damaged. However, it is only the Basic Excess that applies.