Motorcycle Apparel Cover Motorcycle Apparel Cover is covered when it is accidentally damaged or stolen as a result of an incident giving rise to a claim. There is no additional cost to include your riding gear and helmet. You and your pillion can claim up to $4000 per incident and $2000 per item. Replacement Bike Cover If your motorcycle is written off in the first two years, you will receive a replacement bike; including on road costs, rego & Compulsory Third Party (CTP) insurance. We turn a negative into a positive by getting you back on your new bike ASAP. Some policies may not provide you with enough cover to get you back on the same bike. Sometimes you may have to pay extra to have the same bike and then you're expected to pay all the extras as well. Agreed Value / Market Value You can decide which type of cover suits you best. Agreed Value and Market Value policy types are available for most bikes. (Some conditions apply). Choice is the main benefit here. Most riders prefer one or the other, both cover types offer great value. • Agreed Value provides peace of mind of knowing exactly what you'll receive in the event of a total loss. • Market Value means you will receive the true value of your bike at the time your bike is written off. You don't have to predict the value of your bike at some future date. Some bikes increase in value over time. No Claim Bonus (NCB) / Discount You can earn up to 60% reduction in your premium which is the equivalent to a Rating 1. You can also transfer your NCB from other insurers for cars and bikes. You may also be entitled to transfer your employer's NCB if you regularly drive company vehicles. No Claim Bonus / Discount recognises your good riding and driving history and rewards you with significant savings. Your NCB starts at 20% for the first year and increases each year up to a maximum of 60% at the end of year 5. No Claim Bonus Protection This benefit allows you to have one at fault claim per year without it having any effect on your hard earned No Claim Bonus / Discount. After being insured for many years earning your No Claim Bonus, it's great to know you have this added benefit. If you have an at fault claim without No Claim Bonus Protection, you usually have your NCB reduced by 2 years. Club Membership Discount We recognise that some Clubs are safety conscious and have a great culture, which assists us to identify good riders. We offer members of these clubs a reduced premium. If you are a member of one of the following clubs, you will receive a discounted premium; • Ulysses Club • Harley Owners Group (HOG) • Ducati Owners Club • Honda Riders Club • Riders Association of Triumph (RAT) • Motorcycle Riders Association (MRA) • Motorcycling Australia (MA) • Netrider