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Travel Insurance with Motorcycle Riding Cover

Ride with confidence – add cover for motorcycle and moped riding to your Domestic or International Travel Insurance policy. Get help with costs if something goes wrong while riding.

You could save on your travel insurance

You could save 10% on a new travel policy if you already have insurance with us.1

Why add cover for motorcycle or moped riding?

Looking for protection in case you have an accident while riding or being a passenger on a motorcycle or moped overseas? Add motorcycle or moped cover to your international NRMA Travel Insurance policy and you can ride confidently.

We cover overseas medical costs and related expenses if you’re injured as the driver or passenger on a motorcycle or moped (subject to policy terms and conditions). Know you’ve got help when you need it with a 24/7 assistance team of nurses, doctors, paramedics, case managers and travel agents ready to help if something goes wrong.

Cover is available when you meet the riding conditions set out in the PDS, like:

  • holding the right licence (if you are riding or the driver does if you are a passenger)
  • wearing a helmet and riding a bike or scooter within the engine capacity limit stated in the PDS (up to 250cc). Larger bikes aren’t covered.

Racing, motocross and riding in professional capacity aren’t covered by the policy. Keep in mind no cover will apply under the personal liability benefit. That means you’re responsible for costs associated with damage to the motorcycle, moped or property, or injury to another person.

For full details, including limits and exclusions, always check the PDS before you buy.

Insurance

What does Motorcycle or Moped Riding Cover include?

Included

With our travel insurance plans (cover varies depending on the plan you choose), you can add motorcycle and moped cover to have protection for

  • Overseas medical costs and related expenses incurred overseas if you’re injured while riding with a valid licence and helmet3 (up to $10 million2 with Essentials, and $Unlimited2 with Comprehensive).

  • Emergency transport, evacuation or repatriation after a motorcycle or moped accident3 (up to $10 million2 with International Essentials, and $Unlimited2 with International Comprehensive).

  • Cover for riding a motorcycle or moped up to the engine capacity limit set out in the PDS (250cc). Larger bikes aren’t covered.

  • Cover as a passenger on a motorcycle or moped if the driver holds a valid license and you’re wearing helmets.

  • Cancellation benefits for unused prepaid arrangements if a covered event stops your trip (limits vary).

  • Luggage and personal effects cover (up to between $5,0004 and $12,0004 unless you increase your item limits with valuable items cover).

  • Travel delay (available on the Comprehensive plans only) and delayed luggage allowance if your transport or bags are held up (limits vary).

  • Rental car insurance excess cover (up to $5,000 with Essentials, and up to $10,000 with Comprehensive). If you've purchased Motorcycle and Moped Riding Cover, this benefit also includes cover for the insurance excess you're liable to pay for damage to or theft of a rented motorcycle or moped from a licensed rental company.

  • 24-hour emergency hotline – speak to our expert, multilingual team at any time, from anywhere in the world.

Not included

There are times when motorcycle and moped riding cover won’t apply

  • Riding outside the PDS conditions – for example, not having motorcycle cover, on a bike over 250cc, without the right licence, or without a helmet.

  • During racing, motocross, or professional use.

  • We won’t cover personal liability while operating a motorcycle or moped, or general policy exclusions such as unsafe or unlawful behaviour, the involvement of drugs or alcohol, or medical and dental costs incurred within Australia.

Options to vary your cover

Choose to add these when you get a quote

  • Reduce or remove your excess when buying your policy.

  • Valuable items cover if you’re taking valuables like a phone, camera, or laptop with you.

  • Annual multi-trip cover if you’ll be travelling more than once a year.

  • Snow sports cover if your holiday also includes skiing or snowboarding.

Annual multi-trip

Take as many trips in a year as you want to your chosen destination or area, all on the one policy. All our annual multi-trip plans are provided under our Comprehensive Travel Insurance plan, giving you our highest-level travel insurance.

You can select cover for up to 30, 45 or 60 days per trip for international policies (15 or 30 for domestic). That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Choose the cover that’s right for you

Start with the plan that matches your trip – Domestic or International. Then you can choose to add motorcycle and moped riding cover when you get your quote, so it appears on your Certificate of Insurance.

From there, think about if you need to cover any specific items. For example, do you need cover for any valuables like your camera, laptop or jewellery? And are the cover limits on those items appropriate for your needs? Do you plan on travelling again later in the year? If so, consider whether an annual multi-trip coverage may be right for you.

Check the PDS for the full riding conditions related to this cover, and choose the extras that fit the way you travel.

Benefits of Motorcycle or Moped Riding Cover

Riding on your holiday can be a highlight you look back on for years. But it also comes with risks that aren’t automatically covered. Adding motorcycle and moped cover lets you relax and enjoy the ride, knowing we’re here to help if the unexpected happens.

Overseas medical care if you’re injured

We’ll help cover overseas medical costs and related expenses if you’re injured overseas while riding or as a passenger (provided you meet the riding conditions and other terms in the PDS). We have 24/7 nurses, doctors, paramedics case managers and travel agents ready to help when you need it.

Emergency transport or evacuation

If you need urgent medical care that isn’t available locally, we can arrange evacuation, transfer or repatriation, for approved claims and subject to policy terms and limits.

Cover for riding or being a passenger on scooters and bikes

Whether it’s a moped in Malaysia or that bucket-list tour on a Royal Enfield, you may be covered for things that can be unique to riding on two wheels.

Works with your travel plan

The extra coverage sits alongside your Domestic or International Travel Insurance, so you can tailor your protection to suit your trip.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement
Target Market Determination

With 100 years’ experience, we know how to protect the things you care about

Protection for trips within Australia, from city breaks to coastal getaways.

Learn about Domestic Travel Insurance

Cover for overseas holidays, with support available 24/7 worldwide.

Learn about International Travel Insurance

We’re here to give you the emergency assistance you may need, 24 hours a day, 7 days a week.

Learn about our 24/7 assistance
FAQs

Motorcycle or Moped Riding Cover FAQs

Learn about optional motorcycle and moped riding cover with NRMA Travel Insurance.

Read more

To be covered for riding or as a passenger, yes. Riding isn’t automatically covered under our travel insurance. You can choose to add motorcycle and moped as an optional cover when you get a quote for International Travel Insurance, and it will be shown on your Certificate of Insurance.

Cover applies to motorcycles and mopeds up to the engine capacity limit set out in the PDS (250cc). Larger bikes aren’t covered.

You must hold a valid licence for the class of bike you’re riding. In most cases, this means either a regular Australian driver’s licence (for smaller bikes and mopeds) or a motorcycle licence. Some countries may require an International Driving Permit, so always check before you travel.

Yes. You must wear a helmet if you’re the rider or passenger. Riding without a helmet means you won’t be covered.

Yes. Hiring a scooter or moped overseas is covered as part of the optional motorcycle riding cover if the bike is within the engine capacity limit, you have the correct licence, and you wear a helmet.

No. Personal liability while operating a motorcycle or moped isn’t included. That means you will be liable for any damage you cause to property or other people while riding.

Yes. You still need to add motorcycle/moped cover though. Cover is available as a passenger on a motorcycle or moped if the driver holds a valid licence, the engine size is no larger than 250cc, and you wear a helmet.

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Things you should know

  1. This discount is available for existing NRMA Insurance customers. Discount applied to total premium price (including government charges, taxes, levies and fees). We may withdraw this offer at any time.
  1. Cover will not exceed 12 months from the onset of the illness or injury.
  1. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply.
  1. Sub-limits apply.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD). If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG.