Motorcycle Third Party Fire & Theft

Protection for damage your motorcycle causes, plus a little more.

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Cover that’s there for you

Sometimes all you need on the road is a little peace of mind to know you’ll be looked after if things go wrong. Our third party fire & theft insurance covers you for damages that your motorcycle causes, and damage caused to your motorcycle by fire, theft and earthquakes. It also includes emergency accommodation, transport and repairs if you’re involved in an insured event.

Policy Wording 

What’s included?

Our standard policy covers you against a wide range of insured events, and comes with some extra benefits too, like up to $500 worth of yours or your pillion’s riding gear if it’s stolen or damaged and your claim is accepted.

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 to the tune of $20 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1million cover for your legal liability to pay damages arising from accidental death or bodily injury.

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.

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

What's Optional

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like hire car and cover for your motorcycle trailer, so you can choose just the right amount of cover for your motorcycle, and not an ounce less.

If you have a Comprehensive or Third Party Fire and Theft policy you can choose to add the optional hire car cover. This means that if your motorcycle is out of action due to an insured event we’ll provide you with a hire car for up to 14 days.

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.

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Right There With You

We all hit a bump in the road now & again. Our Roadside Assistance crew are here to help when you do

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Ask Us Anything

We love questions, because if something is important to you, then it’s important to us that we get it right. Browse our FAQs or ask us anything here