Got a question about motorcycle insurance?

You can add hire car cover to your policy. The hired vehicle will be a car rather than a motorcycle and there are terms and conditions which apply.  
Please note: this option is not available for Third Party Property Only policies.

Any valid motorcycle licence which complies with Australian law is acceptable.

When you cover your motorcycle comprehensively, you choose whether you want the Market Value or an Agreed Value. 

Whether or not you use your motorcycle for business purposes is something we will determine by asking you relevant questions when going through the quote process.  Should we accept cover, your policy schedule will show that your cover extends to business use.  You are always covered for private and domestic purposes.

Your motorcycle will be replaced with a new one (or we will pay the replacement cost) if within 2 years of you first purchasing it new, the motorcycle is a total loss. 

Damage to helmets and riding gear which belong to the rider are covered if damaged in an insured event (other than theft, unless they are stored in a secured storage compartment).  This cover is included with our Comprehensive and Third Party Property Fire and Theft Policies.  There is also an upgrade of this cover available.

When we nominate and authorise the repairer to carry out repairs to your motorcycle, we will guarantee the repair quality for however long you own it.

Similar to our driver policy for car insurance, any rider can use your motorcycle.  We classify riders as:

Regular Rider 
The regular driver is whoever rides the motorcycle most frequently.  There can only be one regular rider and they are noted as such on the policy schedule.

Listed Riders  
A Listed rider is someone who you have told us about and who is noted on the policy schedule.  These riders use your motorcycle less often than the regular rider as described above. 

Unlisted Riders 
These are people who are not listed on the policy but who could occasionally ride your motorcycle.  An unlisted rider excess applies if the rider is not listed and you need to make a claim. In some circumstances, we may not cover unlisted riders – we will tell you if this is the case.

Some other people who might ride your motorcycle:

Learner Riders 
Learner riders are covered provided they have a valid licence.  There isn’t any cover however if any form of payment is received for teaching someone to ride.

Test Riding 
If a potential buyer requests to test ride the motorcycle, you will need to ensure that the motorcycle is kept safe.

Service Providers 
When the motorcycle is under the care of a service provider we will extend cover to employees of that business who operate the motorcycle as part of their service.  This includes valet parking, cleaning or a licensed automotive workshop. 

If your motorcycle requires emergency repairs or towing (including storage) as the result of any insured event, we cover the reasonable costs involved when you have Comprehensive or Third Party Fire and Theft cover.

If necessary, we also pay the costs of emergency accommodation and/or transport following an incident if we agree to pay your claim. 

Any quotes, claims information and policy documents will emailed to you therefore we require for the email address to be valid.

We also recommend that you add Youi to your contacts list so that your emails are received.  If you are unable to locate an email we have sent you, please check the junk/spam section of your email.  For Gmail users, try looking under the promotions tab.

These documents are always sent to you:
• Product Dislcosure Statement (PDS)
• Policy Schedule

Also available to you on request are:
• Tax Invoice 
• Certificate of Currency

You can download these from our website or call us and we will email them to you.

Our policies normally renew automatically, however if you prefer you can call us to opt out of automatic renewal. We will send your renewal offer to you about four weeks before your current policy ends and continue to debit the premium on the renewed policy using your payment details unless you have opted out of automatic renewal. If you have opted out of automatic renewal you will need to contact us to accept your renewal offer.

If you wish to make changes at renewal (or at any other time during the period of insurance) please call 13 YOUI (9684).

An excess payment is made when you make a claim.  The following excesses may apply to your claim and will be shown on your policy schedule:

Basic Excess
The first amount payable by you on any claim 

Additional Excess 
In some circumstances an additional excess may be applied to your claim. 

Unlisted Rider Excess
If the motorcycle was ridden by a rider who is not noted on the policy schedule (and who is not otherwise excluded) and additional Unlisted Rider Excess will apply.

Windshield Excess 
You have the option to reduce your excess for windshield claims.  If you do not choose this option, the windscreen excess will be the same as the basic excess.

One Excess 
When you have more than one policy with Youi, you will only pay one excess if you lodge a claim for damage that occurs at the same place arising from the same single event.