Motorcycles and Scooters

Real motorcycle insurance with a choice of cover to suit you and how you use your bike. Cover so good, we’ve extended it to cover our scooter friends too!

We insure bikes like this…

What you're covered for

Open all

Your choice of cover

Because everyone’s situation is different we offer four levels of cover with our MaxiRider policy.

Full Cover
A comprehensive policy packed with a wide range of benefits, automatic extensions and protection for you and your motorcycle or scooter.

Third Party, Fire & Theft
Provides cover for certain instances of damage or loss, as well as legal liability cover.

Fire, Theft & Transit
Cover for dirt bikes, racers and motocross rides.

Third Party Only
Covers your legal liability for damage you cause to someone else’s property or injury to another person while you’re using your bike or scooter.
Replacement

If your ride is damaged and we don’t think it’s economic to repair, we’ll either pay you its market value at the time the claim arose, or its replacement value, which is the cost of purchasing another motorcycle or scooter of the same make, model, year, mileage and general condition up to the sum insured.

If it was less than 12 months old and brand new when you bought it, we’ll replace it with a new one, as long as the same model and specification is available in New Zealand.
Your choice of repairer

If your motorcycle or scooter is damaged but repairable, we’ll either arrange to repair it or we’ll pay you the cost of the repairs. That way you get to choose who works on your ride.
Legal liability

We’ll provide up to $20,000,000 cover for your personal liability and legal costs if you accidentally damage someone else’s property or injure someone while you’re using your motorcycle, or scooter.

We’ll also cover someone else’s liability for this type of damage or injury, provided they’re lawfully using your motorcycle or scooter.
Protection against uninsured drivers

If you have purchased full cover, you won’t pay an excess if the uninsured driver of another vehicle causes loss that is covered by this policy, provided you:

Can prove they were completely at fault; and

Can give us the correct registration number of their vehicle, or information we need to positively identify the driver (including name and address), and provide us reasonable help to recover your claim from the driver of the other vehicle,or from its owner.
Windshield and headlights

No excess applies to the first claim in the period of cover that is solely for accidental loss to the windshield or headlights.
Club events/Track Days

Our Full Cover policy provides coverage when you’re riding in a club event that’s officially licensed by Motorcycle New Zealand Inc.
Automatic extensions

If you have Full Cover on your existing ride and decide to replace it, we’ll automatically cover the replacement bike or scooter under your existing policy for up to $50,000, provided you tell us about the purchase within 30 days.

Our Full Cover also extends to cover riding apparel (rider and pillion), keys and locks. If you have an accident and your claim is accepted, we’ll pay road clearing expenses and the cost of transporting your bike or scooter to the nearest repairer or safe place.
More about our MaxiRider cover

Our Full Cover includes many more automatic extensions, including medical expenses, roadside assistance, temporary repairs, accommodation costs and a repairer guarantee on all work undertaken by our approved repairer network.
How can I get cover?

Get a quote and arrange cover online

Click here to get a quote, then twist the throttle to arrange cover – easy and smooth like your riding style should be.

OR

You can complete a Proposal; MaxiRider Market Value Insurance - Proposal and return it to us (see Contact Us for our contact details).

OR

If you still have questions or want to arrange cover over the phone, call us on

0800 807 926
8:30am – 5:00 pm weekdays