Some people assume that their car insurance policies will automatically provide coverage for their motorcycles, but they are mistaken. If you have an existing car insurance policy, you can get what is called a motorcycle endorsement. This is simply an extension of your policy that allows you to insure your bike.

Do you need insurance to test ride a bike?

When you’re test riding a bike – it’s important to remember that while on a test ride, you still need to be properly insured. If you just want cover for a few days, you can get it with short term motorbike insurance without signing up for unnecessary long-term cover.

Do I need insurance for test drive?

Even if you’re only test driving a car, you still need to be insured. If you’re buying the car from a main dealer, then this usually won’t be a problem as they’ll have cover in place. If you’re buying from a private seller, you’ll have to make sure that your own insurance will cover you.

What is covered under motorcycle insurance?

Comprehensive motorcycle insurance in NSW covers your motorcycle if it is accidentally damaged, stolen or burnt anywhere in Australia. This covers you for fire, theft and 50% of the market value of your motorcycle for accidental damage.

Can I ride other motorcycles on my insurance?

Generally speaking, only Fully Comprehensive motorcycle insurance policies will cover you to ride other bikes, with the minimum legal insurance, which is Third Party Only cover. If you wish to ride multiple motorcycles, getting a multi-bike insurance policy could be right for you.

Do I need to declare accident on motorcycle insurance?

You must inform your insurer of any accidents or claims you’ve been involved in irrespective of blame or if a claim was made, in any vehicle not just those on your motorcycles. This is one the biggest ways people trip up when finding suitable insurance cover.

Can you insure a motorbike for 1 month?

Short-term motorbike insurance only covers you for a limited period – useful if you’re borrowing someone else’s bike, or ride seasonally. You can get cover for a day, a week, a month or a few months, depending on which insurer you choose.

Who is responsible during a test drive?

If you are responsible for a car accident during a test drive, the dealership can try to hold you liable. Generally speaking, in these cases, your own car insurance policy would kick and pay for a test drive crash just as it would be if you got into an accident when driving a rental car.

How can I insure a motorcycle test ride?

It’s best to get a quote for insurance ready to go before you see the bike. Most brokers provide 24/7 service, so obtaining your own insurance before you ride away should be quick and easy. Or you can get your mate to ride it home for you.

Can you test ride a 750cc motorcycle without insurance?

So if you were stepping up from a 600, you could test ride a 750 or 1000cc bike on a third-party only basis, although any licence restrictions would still apply. However, as a new rider without an existing policy you would be uninsured on the test ride and in doing so would be committing an offence.

What kind of insurance do I need for a motorcycle?

It doesn’t matter if the bike is yours or someone else’s with a short term policy, everyone is covered if the worst should happen. Temporary motorcycle insurance is the best way to get comprehensive motorbike cover for a bike you don’t own or need to insure temporarily.

Is it safe to test drive a motorcycle?

Even if you didn’t have insurance before, get insurance during the selling process. Getting your motorcycle stolen during test rides while your selling is a common worry. Even if you take all the proper safety precautions, there’s no guarantee of what people will do.