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Frequently Asked Questions
We get it — insurance can be a lot to wrap your head around. Our FAQs cover the things riders often ask us, so you can spend less time searching and more time riding.
For every rider
What is the difference between Agreed Value and Market Value?
Agreed Value means you are insured for that set sum insured, in the event of a total loss. Market Value means, in the event of a total loss you will be paid out, the current market value of your motorcycle prior to the incident and taking into consideration the motorcycle’s make, model, age, general condition and any accessories and enhancements and kilometres travelled immediately prior to the incident.
How do I obtain an Agreed Value?
By contacting our customer service team and having a discussion and coming to a mutual agreement on a value amount which could involve paying an extra premium.
Please refer to the link below for contact options.
Can accessories be added to my motorcycle?
Accessories can be added to your insurance policy at any time. Any accessories must be advised to us and noted on your Certificate of Insurance. This will ensure coverage and replacement in the event of a claimable event where damage is sustained to these items.
What is lay-up?
Lay-up changes the cover for Your Motorcycle under the Policy, it is restricted to loss or damage occurring while Your Motorcycle is within the gates, walls, or fences of Your home address as specified on Your Certificate of Insurance, other than during the period midnight Friday night to midnight on the next Sunday night (these times and days are those which are applicable at the home address). This restriction gives You a discounted premium and only applies during the Lay Up Cover period specified on the Certificate of Insurance.
Can anyone ride my motorcycle?
Your insurance policy will provide coverage for your motorcycle to be ridden by anyone you provide permission to.
No change is required to your insurance policy and no extra premium will be charged. Anyone who becomes a regular rider during the period of insurance, should be noted to your insurance policy by contacting our customer service team via the below link.
How do I access important documents such as National Motorcycle Insurance Product Disclosure Statements, Financial Services Guide, Target Market Determinations (TMD’s) and Privacy Policy?
All important documents are available via the below links.
Important Documents (under ‘Important Documents’) https://www.nationalmotorcycleinsurance.com.au/
PDS’s https://www.nationalmotorcycleinsurance.com.au/product-disclosure-statements/
What should I do if I need to lodge a claim?
Our claims information page via the link below will provide you with more information.
For the on road rider
Am I covered to ride my motorcycle on a racetrack or closed road?
Your motorcycle is not covered whilst being tested in preparation for or engaged in any racing, pacemaking, hill climbing, reliability trials, rallying, speed tests or any other similar motor sporting event.
Would my motorcycle gear be covered under the policy?
In the event of an Accident giving rise to a claim, We will cover Your Riding Gear, if it is lost or damaged in the Accident up to a limit of $1,500 for any one item (or a pair) with a maximum of $3,000 on any one claim.
There is no cover for loss or damage to Your Riding Gear as a result of theft.
What types of security should I add to my motorcycle when it is not in use?
When the motorcycle is left unattended, and not in a locked place of storage or building, we require the motorcycle to have the key removed and steering locked, or have a combination of padlock supported chains or cables or a wheel hub lock.
For the off road rider
How long can I have an Agreed value policy for?
An Agreed value policy is held for 12 months (1 year) from the date of purchase of your brand new motorcycle. After the 12 month period, your policy will change to Market Value.
Am I covered to ride my motorcycle on a racetrack or closed road?
Your motorcycle is not covered whilst being tested in preparation for or engaged in any racing, pacemaking, hill climbing, reliability trials, rallying, speed tests or any other similar motor sporting event. For the event Transmoto, please contact Us by referring to the link below to discuss coverage.
Would my motorcycle gear be covered under the policy?
In the event of an Accident giving rise to a claim, We will cover Your Riding Gear, if it is lost or damaged in the Accident up to a limit of $500 for any one item (or a pair) with a maximum of $1,000 on any one claim.
There is no cover for loss or damage to Your Riding Gear as a result of theft.
What storage requirements are there for My Motorcycle when at home?
Under the insurance policy, the motorcycle is required to be stored in a fully enclosed and securely locked building or shed whilst at your usual residence.
What requirements are there to transport My Motorcycle?
When the motorcycle is removed from your locked building or shed, it is a policy requirement to keep the Motorcycle in a Fully enclosed and securely locked trailer or vehicle.
National Motorcycle Magazine
What is National Motorcycle Magazine?
National Motorcycle Magazine is our new, 80-page magazine created for riders in the National Motorcycle Insurance community. Each edition includes a mix of on-road and off-road riding stories, accessories and tyre features, industry profiles, safety and maintenance tips, plus the latest bike reviews and gear.
Why have I received a copy of the magazine?
You’re receiving a complimentary copy as a thank you for supporting National Motorcycle Insurance. We’ve selected a portion of our existing policy holders to receive the magazine as a small way of giving back to the riding community that supports us.
Do I have to pay for the magazine?
No. For the initial editions, the magazine is complimentary for selected National Motorcycle Insurance policy holders. There is nothing extra to pay for these copies.
How often will the magazine be published?
The magazine will be published four times a year (summer, autumn, winter and spring editions) with content that reflects the breadth of our riding community – on-road, off-road, adventure, commuting and everything in between.
Will you always send it for free?
For the next few editions, the magazine will be sent out on a complimentary basis. From some time in 2026, we expect to invite existing policy holders to subscribe. At that point, you’ll be able to choose whether you want to take up a paid subscription or not.
Will my policy change if I do or don’t subscribe?
No. Your insurance cover and premiums are not affected by whether you receive or subscribe to the magazine. The magazine is an extra way for us to share stories, tips and information with riders – it doesn’t change your policy terms and conditions.
I don’t want to receive the magazine – how do I opt out?
No problem. If you’d like to be added to our “do not send” list for the magazine, please email marketing@nminsurance.com.au with your name and policy number, and let us know you’d like to opt out.
I am a National Motorcycle Insurance policy holder and would like a complimentary copy. Can I request one?
Yes. If you hold a current National Motorcycle Insurance policy and would like to receive a complimentary copy (while they are available), please email marketing@nminsurance.com.au and include your name, postal address and policy number. We’ll do our best to include you in the upcoming mailout.
How did you get my postal details for the magazine?
We’ve used the contact details linked to your National Motorcycle Insurance policy. These are the same details we use for policy documents and important communications.
What kind of content will be included?
Each edition will feature a cross-section of stories and information for riders, such as:
• Off-road and on-road riding stories
• Accessories, tyres and gear spotlights
• Safety and maintenance tips
• The latest bike and gear reviews
• Features on riders, clubs, industry identities and events from within our insured community
We’ve partnered with experienced contributors and reviewers who live and breathe motorcycles.
Can I update my postal address for the magazine?
Yes. If your address has changed, please contact our team or email marketing@nminsurance.com.au with your updated details and policy number so we can keep your records current.
I’m part of a club, dealer or broker network – can we get copies for our riders or customers?
If you’d like to explore receiving additional copies for your club members or customers, please reach out to us at marketing@nminsurance.com.au and our team will discuss options based on availability.
I’d like my motorcycle dealership or club to be featured in the magazine – how can I submit article ideas or enquire about advertising in the magazine?
We love to hear from our customers and industry partners. Please reach out to us at marketing@nminsurance.com.au to submit story for editorial consideration. For advertising enquiries, please share your contact details a member of advertising team will reach out to you. Alternatively, you can contact our Head of Customer Experience Andrew Mulholland on 0482 854 066 andrewm@nminsurance.com.au, or our National Advertising Manager Todd Anderson on +61 409 630 733 / todd@motormedia.com.au.
Need a hand from someone who gets it?
Our motorcycle insurance specialists are here to help — get in touch today.
National Motorcycle Insurance is a business name of NM Insurance Pty Ltd ABN 34 100 633 038, AFSL 227186. NM Insurance is an underwriting agency with a binding and claims authority from Zurich Australian Insurance Limited (ZAIL) which allows it to enter into and arrange policies of insurance and handle and settle claims made under them. NM Insurance acts on behalf of ZAIL and not you when providing these services but does so under its own AFSL.
Advice on this website is general so consider whether it suits your objectives, financial situation and needs. Always consider the relevant Target Market Determination and Product Disclosure Statement / Policy Wording before buying or renewing insurance. These can be accessed on this website.
We comply with the General Insurance Code of Practice which is designed to raise standards of practice and service in the general insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces compliance with the Code. For more information about the Code or the CGC, visit www.codeofpractice.com.au.
Steadfast Group Ltd (ABN 98 073 659 677) (‘SGL’) has a majority shareholding in NM Insurance Pty Ltd (NM Insurance). SGL may receive a professional services fee (PSF) from insurers, premium funders and underwriting agencies such as NM Insurance (Partner) for access to regulatory and compliance support; marketing and communications; data insights; and access to technology platforms. The PSF is an agreed amount between SGL and the relevant Partner, usually annually. The PSF is not determined by the volume of the business that the Steadfast Network brokers place, nor is the amount of the PSF known to the Steadfast Network Brokers, so it is not able to influence recommendations to their clients.
NM Insurance may have access to shared services from SGL, including: compliance tools; procedures; manuals and training; legal; HR banking; and group purchasing arrangements. These services are funded by SGL, subsidised by SGL or SGL receives a fee for them.
SGL’s FSG is available at www.steadfast.com.au or on request by telephoning SGL’s Company Secretary on +61 2 9495 6500.
For information about interpreting services please contact the Australian Government’s Translating and Interpreting Service.