Complete peace of mind

Comprehensive Motorcycle Insurance

This is the total package when it comes to protecting your motorcycle. It covers damage to your motorcycle as well as damage it may cause to another persons vehicle and property.  Comprehensive cover provides protection against a wide range of insured events as well as offering some great optional covers to choose from if you want to further enhance your policy.


Product Features

With Youi comprehensive motorcycle insurance you can relax knowing that you're in safe hands. This is our broadest range of cover, loaded with product features:

Policy Wording

Comprehensive policies include cover for accidental damage caused to the motorcycle.

Cover for damage to the motorcycle that is caused intentionally is included under Comprehensive cover.

Comprehensive policies include cover for accidental damage to the motorcycle caused by a storm or flood.

We automatically cover your motorcycle for damage caused by fire.

Your motorcycle is covered for damage caused by theft or attempted theft.

Damage to the motorcycle caused by earthquake is covered as standard.


If your motorcycle isn’t safe to ride due to an insured event and you’re more than 100km from home, we’ll pay up to $1,000 for your emergency accommodation, transport or repairs. 

We’ve got you covered up to $20 million for your legal liability if your motorcycle causes damage to someone else’s property.

Cover includes the reasonable cost of towing and storage of the motorcycle to a suitable place for safekeeping nearest to the incident location after an insured event.

If the keys to your motorcycle are stolen, we’ll cover the cost of replacing the keys and recoding the locks.

Up to $500 worth of yours or your pillion’s riding gear is covered as standard if it’s damaged as a result of an insured event or stolen. You also have the option to upgrade this cover to up to $5000 and this upgrade includes cover for your personal items as well.

If your personalised plates are lost or damaged as a result of an insured event we’ll replace them for you.

We will cover your replacement motorcycle, when you trade in your current one, for up to 14 days after the purchase.

We’ll cover you for up to $10,000 for your legal liability under Maritime Law while your motorcycle is being transported by sea between ports within New Zealand.

Under comprehensive cover emergency assistance if your motorcycle breaks down is included as standard.

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

Want even more?

You'll find it here. We offer some great optional covers to allow you to tailor your cover to suit you.

Yes, it’s optional cover available for Comprehensive and Third Party Fire & Theft policies.  

This optional cover provides up to $5,000 of cover for your registered motorcycle trailer.

Upgrade from the standard riding gear cover up to a maximum of $5000. This upgrade includes cover for your personal items as well.