Motorcycle Insurance in South Africa

General Motorbike / Motorcycle Insurance Information – Explore the best product for your unique circumstances.

Explore the best motorcycle insurance product for your unique circumstance
Explore the best insurance product for your unique circumstances

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Insurance for Motorcycles covers a wide range: From tourers, scooters, superbikes, scramblers, cruisers, off-road bikes, vintage collector bikes and customized bikes. Some products cater for niche type motorcycle segments such as ladies, mature riders and motorcycle clubs.  

Compared to motor vehicles, most motorbikes pose a far higher insurance risk for various reasons. For this reason the rates may be high relative to the sum insured. Therefore, if you are a serious biker, you must explore the absolute best product for your unique circumstances.

These options may be confusing and costly – if you make the wrong choice.

In fact, the smartest thing you can do is -- Get a specialist broker to do it for you!
Also note the following guidelines and considerations:
  • Make sure your products caters for all your all risk items such as: Helmets, clothing, sound equipment, boots, gloves, neck braces, saddle bags and other motorcycle accessories;
  • If you are into lifestyle trips, which includes trips outside of the RSA borders, make sure your insurance policy covers the territorial areas you visit. It is also important to check your emergency assistance product to understand the circumstances that may apply, if you have an emergency outside South Africa;
  • Check if your motorcycle policy include extension options such as scratch & dents, credit life, bike or car hire and personal accident. Your broker can also assist you with this;
  • If you are the proud owner of a classic motorcycle or cruiser and you enjoy showing your motorcycle at rallies or organized events, then remember the following: There are tailor-made products catering for such motorcycles. These products may have certain requirements, but also offer pretty unique benefits. One such requirement, is that such classic motorcycles, may not be used for daily use;
  • If you do track days, make sure your policy covers this or not.
Motorbike Accessories for Insurance
Does your insurance product cater for risk items and accessories?
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