From trails to paddocks to the local track, we offer cover for motorcycles built to go off road — built by specialists who understand off-road riding through and through.
Whether you’re exploring, working, or riding for fun, we offer cover for a wide range of off-road riding styles. Choose from Comprehensive or Fire & Theft — both built by people who understand off-road motorcycles.
*same make, model, series, based on local availability
We cover a wide range of off-road bikes — supported by a team who understand the terrain and the machines built for it.
Covered even when they’re built for dirt, not the road.
For off-road use with conditional or limited registration.
Lightweight bikes built for speed, jumps and circuits.
Off-road bikes made for long-distance trail riding.
Four-wheelers designed for work or off-road fun.
Smaller bikes made for young riders to get started off-road.
Off-road vehicles with seating for two or more — often used for work, trail riding or recreation.
Get a quote today and insure your motorcycle with specialists who speak your language.
Start a claim in minutes and get back on the road sooner.
We support the riding community through partnerships with Transmoto and Ulysses Club.
It’s not just your bike that matters — our policies include protection for what goes with you on every ride.
We get it — insurance can be a lot to wrap your head around. Our FAQs cover the things riders often ask us, so you can spend less time searching and more time riding.
Agreed Value means you are insured for that set sum insured, in the event of a total loss. Market Value means, in the event of a total loss you will be paid out, the current market value of your motorcycle prior to the incident and taking into consideration the motorcycle’s make, model, age, general condition and any accessories and enhancements and kilometres travelled immediately prior to the incident.
An Agreed value policy is held for 12 months (1 year) from the date of purchase of your brand new motorcycle. After the 12 month period, your policy will change to Market Value.
Accessories can be added to your insurance policy at any time. Any accessories must be advised to us and noted on your Certificate of Insurance. This will ensure coverage and replacement in the event of a claimable event where damage is sustained to these items.
Your motorcycle is not covered whilst being tested in preparation for or engaged in any racing, pacemaking, hill climbing, reliability trials, rallying, speed tests or any other similar motor sporting event. For the event Transmoto, please contact Us by referring to the link below to discuss coverage.
In the event of an Accident giving rise to a claim, We will cover Your Riding Gear, if it is lost or damaged in the Accident up to a limit of $500 for any one item (or a pair) with a maximum of $1,000 on any one claim.
There is no cover for loss or damage to Your Riding Gear as a result of theft.
Your insurance policy will provide coverage for your motorcycle to be ridden by anyone you provide permission to.
No change is required to your insurance policy and no extra premium will be charged. Anyone who becomes a regular rider during the period of insurance, should be noted to your insurance policy by contacting our customer service team via the link below.
Under the insurance policy, the motorcycle is required to be stored in a fully enclosed and securely locked building or shed whilst at your usual residence.
When the motorcycle is removed from your locked building or shed, it is a policy requirement to keep the Motorcycle in a Fully enclosed and securely locked trailer or vehicle.
All important documents are available via the below links.
Important Documents (under ‘Important Documents’)
https://www.nationalmotorcycleinsurance.com.au/
PDS’s
https://www.nationalmotorcycleinsurance.com.au/product-disclosure-statements/
Our claims information page via the link below will provide you with more information.
Stay up to speed with the latest news, updates and stories from the world of motorcycles, riders, and the community that brings them together.
National Motorcycle Insurance is a business name of NM Insurance Pty Ltd ABN 34 100 633 038, AFSL 227186. NM Insurance is an underwriting agency with a binding and claims authority from Zurich Australian Insurance Limited (ZAIL) which allows it to enter into and arrange policies of insurance and handle and settle claims made under them. NM Insurance acts on behalf of ZAIL and not you when providing these services but does so under its own AFSL.
Advice on this website is general so consider whether it suits your objectives, financial situation and needs. Always consider the relevant Target Market Determination and Product Disclosure Statement / Policy Wording before buying or renewing insurance. These can be accessed on this website.
We comply with the General Insurance Code of Practice which is designed to raise standards of practice and service in the general insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces compliance with the Code. For more information about the Code or the CGC, visit www.codeofpractice.com.au.
Steadfast Group Ltd (ABN 98 073 659 677) (‘SGL’) has a majority shareholding in NM Insurance Pty Ltd (NM Insurance). SGL may receive a professional services fee (PSF) from insurers, premium funders and underwriting agencies such as NM Insurance (Partner) for access to regulatory and compliance support; marketing and communications; data insights; and access to technology platforms. The PSF is an agreed amount between SGL and the relevant Partner, usually annually. The PSF is not determined by the volume of the business that the Steadfast Network brokers place, nor is the amount of the PSF known to the Steadfast Network Brokers, so it is not able to influence recommendations to their clients.
NM Insurance may have access to shared services from SGL, including: compliance tools; procedures; manuals and training; legal; HR banking; and group purchasing arrangements. These services are funded by SGL, subsidised by SGL or SGL receives a fee for them.
SGL’s FSG is available at www.steadfast.com.au or on request by telephoning SGL’s Company Secretary on +61 2 9495 6500.
For information about interpreting services please contact the Australian Government’s Translating and Interpreting Service.
1300 960 437
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