If your insurance certificate states you’ve purchased third party insurance then this section shows what’s covered and what’s not covered under your policy.
Legal liability
What IS covered
What’s NOT covered
Legal liability to third parties for property damage If the accident is your fault, we’ll cover you for damage to someone else’s property caused by:
- the use of your bike.
An amount more than $20million (exclusive of legal costs)
Liability for death or injury to you, your partner or anyone else.
Legal costs We’ll pay all your legal costs, with our written consent, in defending any legal action brought against you.
In this section cover is extended to:
- Anyone listed on your insurance certificate, or anyone riding the bike with your consent
Any penalties or fines or any punitive, aggravated or exemplary damages.
Additional Benefits
Personal valuables
If you’ve selected this cover, your personal valuables are covered if they were stolen or damaged while you were riding your bike or while they were stored in a secured storage compartment on your bike.
We won’t pay more than the amount shown on your insurance certificate.
We won’t pay more than $1000 for any single item.
We will not pay for wear and tear, or damage associated with normal reasonable use.
Personal valuables are not covered when away from your bike.
Riding gear If you’ve selected this cover we’ll cover your riding gear up to the amount shown on your insurance certificate. Gear is covered if stolen or damaged in activity associated with use of your bike.
If a pillion is involved in the accident, we’ll cover their gear too. InsureMyRide reserves the right to keep the damaged items that have been replaced under this section of the policy.
Cover is only provided if your riding gear was stolen or damaged while you were riding your bike or while they were stored in a secured storage compartment on your bike.
We won’t pay more than the amount shown on your insurance certificate.
We won’t pay more than $2000 for any single item.
We will not pay for wear and tear, or damage associated with normal reasonable use.
Gear is not covered when away from your bike.
Riding gear is not covered when away from your bike.
Uninsured third party
What IS covered
What’s NOT covered
If your bike’s damaged in an accident that’s not your fault, we’ll choose to either repair your bike or pay you the amount of the damage, provided that:
- you give us written evidence that the driver, rider or owner of the other vehicle is not covered by any insurance policy for the damage to your bike; and
- you notify us of the current name and address of the driver and/or owner of the other vehicle, together with the vehicle’s description and registration; and
- the other vehicle was not owned or driven by you, your partner or any person who normally lives with you
We will determine who was at fault.
We’ll also pay the reasonable costs for towing your bike to the nearest repairer or safe place if it’s unrideable.
