Coverage
Please Select:
- What does this policy cover me for?
- What is not covered by this policy?
- Are there any important policy conditions that I should be aware of?
- How much will my cover cost?
- Basis of claims settlement
- What policy excess will I have to pay if I make a claim?
- How do I arrange cover?
- Who do I contact if I have a question?
What does this policy cover me for?
The Dirt Bike Insurance policy provides cover for your off road motorcycle (including any accessory attached to it) in the event of loss or damage caused by the following events anywhere in Australia:
- Damage to the motorcycle while in transit – caused by the collision or overturning of the vehicle and/or trailer transporting the motorcycle;
- Fire, lightning, explosion, storm and earthquakes; and
- Theft of the motorcycle – provided that the motorcycle is secured by chain and lock to a fixed object at the time of the theft and stored within a fully enclosed building when kept at the garaging address.
What is not covered by this policy?
This policy does not cover the following:
- Damage caused while loading and unloading your motorcycle onto or from conveyance or trailer;
- Wear and tear, gradual deterioration, mechanical or electrical breakdown;
- Damage caused during use of your motorcycle; and
- Any legal liability whatsoever.
Are there any important policy conditions that I should be aware of?
The following important conditions apply to your cover:
- Your motorcycle must be secured with a lock and chain to a fixed object at all times when not in use; and
- Your motorcycle must be stored within a fully locked and enclosed building when kept at the garaging address.
This is only a summary of the cover provided. For full details of the cover including policy conditions and exclusions, please refer to the Dirt Bike Insurance Policy wording available from JLT on request.
How much will my cover cost?
The premium is based on the market value of your motorcycle. To find out how much you have to pay simply refer to the price table. Or alternatively, use the online quoting system
Basis of claims settlement
The insurer can choose either to repair, replace, pay you the cost of repairing your motorcycle or pay you up to the sum insured or market value (its value at time of loss after considering its age and condition) whichever is the lesser - less the appropriate excess. Settlement includes accessories fitted to your motorcycle which are not standard for that make and model.
What policy excess will I have to pay if I make a claim?
Standard Excess – an excess of 5% of the sum insured will be deducted for all claims except in the event of theft.
Theft Excess – an excess of 10% of the sum insured will be deducted for theft claims.
How do I arrange cover?
Simply complete the attached application form in full and forward it to us at the address shown. No contract is entered into until your payment and application form is received and approved by us.
Who do I contact if I have a question?
We have dedicated staff on hand to answer your questions.
Please call us on 1300 655 931 or (03) 9613 1466 or contact us by email at bikes@jlta.com.au and we will be happy to help.