Picture this. You’re ready to shake off those blue knuckles and bring on the thunder. No cage, no pillions, no worries. You’ve got your helmet, your jacket, your gloves. Everything you need to protect your head and body from the unexpected. But what kind of protection does your motorcycle have?

Plan for the unexpected

At eric insurance, we’re fluent in motorcycle. We know what our customers value, and our competitively priced Comprehensive Insurance aims to keep you on the road and searching for your next adventure.

What does it cover?

If your motorcycle is damaged, stolen or burnt while you’re travelling within Australia, eric will be able to help. We’ll repair your motorcycle, pay you the cost of repairing your motorcycle, or in the case of a total loss, pay you up to the amount covered.

Here are just some of the benefits of insuring your motorcycle with eric insurance:

We’ll replace your new vehicle

If your Motorcycle is a total loss within 2 years of the first date of registration, we may replace your motorcycle with a new motorcycle of the same make, model, and series (subject to policy and condition), or pay you the amount covered.

We’ll pay for your hired motorbike

If your motorcycle is stolen, we will reimburse you for the cost of hiring a similar motorcycle until yours has been found and repaired or replaced by us.

We’ll cover your emergency travel costs

If your motorcycle is in an accident, stolen or damaged and can’t be restored to a roadworthy and safe condition while you’re more than 100kms from home, we will reimburse you for emergency travel and/or overnight accommodation.

We’ll cover the cost of towing

If your motorcycle is damaged directly due to an accident or theft, we’ll pay reasonable costs for its removal to the closest repairer or place of safety, or to return it to you following a theft.

We’ll pay for essential repairs

If your motorcycle is damaged by accident, we’ll pay up to the maximum benefit for emergency repairs required so that you can keep riding to your intended destination.

We’ll protect in transit

If your motorcycle is being transported by road, rail, ship, or air between locations within Australia, we will pay for any loss or damage while in transit, including being loaded or unloaded.

We also cover your trailer

If you’re riding your motorcycle with a trailer attached, and that trailer is damaged by accident and/or stolen, we’ll reimburse you up to $1,000 to repair or replace the trailer.

What about apparel?

If your motorcycle specific apparel is lost or damaged, we can reimburse the purchase price of the item if it’s less than 2 years old. If the apparel is 2+ years old, we will reimburse you with the current market value of the item. We can provide cover up to $3,000 to replace motorcycle-specific apparel, and up to $1,000 to replace your helmet if lost or damaged due to an accepted claim.

We don’t just protect you

Accidents happen, and it’s important to know that your liability is covered if you’re at fault as well as your motorcycle.

That’s why both our Comprehensive Insurance as well as our Fire, Theft and Third-Party Property Damage Insurance covers u​p to $20 million for your Legal Liability for accidental damage to someone else’s property.

Comprehensive or Fire, Theft and Third-Party Property Damage

Everyone has different needs and priorities, and that’s why eric offers multiple motorcycle insurance options.

Fire, Theft and Third-Party Property Damage Insurance ensures you’re covered in the event of an accident where you’re at fault, with a Legal Liability cover of up to $20 million. It also covers your motorcycle in the event of a fire or theft.

However, unlike comprehensive insurance, you’re not covered for damage to your motorcycle when the damage is not the result of fire and theft, such as in the event of an accident.

Are you eligible?

To ensure eric’s motorcycle insurance is right for you, check out our main eligibility criteria below:

• Your motorcycle must not be older than 15 years
• Your motorcycle must not have any pre-existing damage
• You must not use your motorcycle for any of the following purposes; Courier/Business Pool Vehicles/Hire (including rideshare)/Rental/Delivery/Emergency Vehicle/Racing
• Your motorcycle must be both registered and roadworthy
• You and anyone else that may ride the motorcycle must be licensed
• You and anyone else that may ride the motorcycle need to have a driving and accident history that is acceptable to our underwriting criteria

eric’s Comprehensive Motorcycle Insurance can protect you and your passion from life’s unpredictable moments. Visit our Comprehensive Motorcycle Insurance page to find out more and get a Motorcycle Insurance quote today.

Motorcycle Insurance is issued by Eric Insurance Limited ABN 18 009 129 793 AFSL 238279 (eric). This article may contain general financial product advice that does not take into account your personal financial circumstances. Please consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision about this product and note there is a 21 -day cooling off period.