Can I insure my riding gear & helmet? Yes, Motorcycle apparel and helmets are included as an additional benefit with our standard policy at no extra cost. Up to $4000 per incident and $2000 can be claimed. If the accident is not my fault do I have to pay my excess? If the other party admits fault and they (or their insurer) agree to cover the costs you wont need to pay your excess. If liability is in dispute (which is common at the start of the claim) you will need to pay your excess. If a successful recovery occurs your excess is refunded to you. Do you offer a discount for insuring multiple bikes? We don't have a standard discount - however we acknowledge you can only ride one bike at a time and therefore the risk is lower. If you wish to insure more than one bike with "Named Rider" cover, we will provide you with a discount. The discount will vary depending on the number, type & value of the bikes. Please call to discuss the options on 1300 762 885. Are others covered to ride my bike? Except with a “Named Rider” policy, all riders who are licensed to ride your bike are covered, however, if you do not have them noted on your policy, there will be an additional "undeclared rider excess" which will be noted in your policy schedule; which is usually $500.00. If I lodge a claim are my repairs guaranteed? If we authorized repairs, the workmanship on repairs is guaranteed for the life of the motorcycle.