Why choose Tower motorbike insurance
Bought a new motorbike or just checking to see if you have the best cover? Look no further. From third party fire and theft to comprehensive, we've got cover to meet your needs and budget, and a range of optional extras.
Riding gear replacement
If your helmet and riding gear is damaged in an accident or stolen along with your motorbike, we'll replace it.
Two year replacement from new
Insure your new motorbike with Tower and if it's written off, we'll replace it with a new motorbike of the same make, model and variant inside the first two years.
Our motorbike insurance policies include
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Comprehensive
Third party, fire and theft
Damage by an uninsured third party
For comprehensive covers we'll repair your motorbike if it's damaged by an uninsured vehicle. For third party fire and theft cover we'll repair your motorbike if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured third party
For comprehensive covers we'll repair your motorbike if it's damaged by an uninsured vehicle. For third party fire and theft cover we'll repair your motorbike if you can identify the person at fault and the fault was at least 50% theirs.
Damage by an uninsured third party
Up to $4,000For comprehensive covers we'll repair your motorbike if it's damaged by an uninsured vehicle. For third party fire and theft cover we'll repair your motorbike if you can identify the person at fault and the fault was at least 50% theirs.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and: 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and: 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and: 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Fire and theft
Cover for your motorbike if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft
Cover for your motorbike if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft
Cover for your motorbike if it's damaged by fire, stolen, or damaged during an attempted theft.
Riding gear
Cover for your helmet and other riding gear if they're damaged or stolen.
Riding gear
Up to $1,000Cover for your helmet and other riding gear if they're damaged or stolen.
Riding gear
Up to $750Cover for your helmet and other riding gear if they're damaged or stolen.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
Up to $1,000We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Collision cover
We'll pay to repair or replace your motorbike if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your motorbike if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your motorbike if it's damaged in a collision.
New motorbike replacement
We'll replace your motorbike with a new one of the same make and model if it becomes a total loss within two years of purchasing it, and it's been insured by us from new.
New motorbike replacement
We'll replace your motorbike with a new one of the same make and model if it becomes a total loss within two years of purchasing it, and it's been insured by us from new.
New motorbike replacement
We'll replace your motorbike with a new one of the same make and model if it becomes a total loss within two years of purchasing it, and it's been insured by us from new.
Replacement and additional vehicles
If you replace your motorbike or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $25,000 for the motorbike, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement motorbike.
Replacement and additional vehicles
If you replace your motorbike or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $25,000 for the motorbike, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement motorbike.
Replacement and additional vehicles
If you replace your motorbike or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $25,000 for the motorbike, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement motorbike.
Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Road clearing costs
Up to $1,000We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Road clearing costs
Up to $500We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Towing
We’ll pay for removing your motorbike to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your motorbike to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your motorbike to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Transport costs
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your motorbike is stolen.
Transport costs
Up to $500We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your motorbike is stolen.
Transport costs
Up to $250We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your motorbike is stolen.
Stolen from a locked garage
If your motorbike has been stolen from a locked garage or secure parking building, your claim will be excess-free and you’ll keep your no claims bonus.
Stolen from a locked garage
No excessIf your motorbike has been stolen from a locked garage or secure parking building, your claim will be excess-free and you’ll keep your no claims bonus.
Stolen from a locked garage
No excessIf your motorbike has been stolen from a locked garage or secure parking building, your claim will be excess-free and you’ll keep your no claims bonus.
Natural disaster damage
We’ll pay for natural disaster damage to your motorbike during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your motorbike during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your motorbike during the period of insurance.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Optional benefits
Optional benefits
Optional benefits
Accessories cover
Accessories cover
Accessories cover
Rental vehicle
We'll pay for you to rent and insure another motorbike or vehicle if your motorbike is stolen or unrideable after an accident.
Rental vehicle
Up to $1,000We'll pay for you to rent and insure another motorbike or vehicle if your motorbike is stolen or unrideable after an accident.
Rental vehicle
Up to $750We'll pay for you to rent and insure another motorbike or vehicle if your motorbike is stolen or unrideable after an accident.
Motorbike insurance FAQs
Tower insures motorbikes at market value. If your motorbike is written off or stolen, we will settle your claim for the amount your motorbike is worth on the day it's damaged or stolen.
No, you are not covered for business use. Our private motorbike policies cover you for driving to work but won't cover using your motorbike for work.
We do, as long as they are driving inside the conditions of their licence.
We aim to make claiming on your motorbike insurance as simple as possible. We'll guide you through the process, let you know what happens next, and keep you up to date with any progress. Just call us on 0800 379 372.
If you're not completely happy with your cover, just let us know within 15 days of the policy start date.
As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy is not quite right, we might be able to change it to better suit you.