New Zealand insurance companies generally offer two types of motorcycle insurance coverage: full coverage and third party coverage.
Full Coverage Motorcycle Insurance
Full coverage motorcycle insurance is much likefull coverage car insurancewhere drivers are covered for almost every situation. Full coverage motorcycle insurance provides the following:
Repairs to your motorcycle to restore it back to its original condition
Replacement of you motorbike should it be declared non-repairable
If you are at fault, the insurer will repair or replace property of the third party
Transportation expenses while your motorcycle is being repaired
Salvage fees
Third Party Motorcycle Insurance
Similar to third party car insurance, Motorcycle owners are only covered for the damage they cause to a third party. The cost to replace or repair your motorbike would not be covered.
Every NZ insurance company has slightly different policies. It is important that you check and understand your policy to ensure that it covers all your needs.
Find out how to obtain cheaper motorcycle insurance by viewing our save on motorcycle insurance section.
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