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Which insurance company in Australia?
Hi,
I will arrive to Darwin on Wednesday and hopefully will get my bike from customs on Friday. My questions: - Which insurance companies you have used in Australia? - Did you need to register your bike to somewhere? |
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2. yes you need (there is a thread here somewhere which explains everything in detail) (Ps.: we havent registered...) search for "insurance or register Australia" |
Seems like there are two different kind of insurances that might be needed (I just do not know yet if these are nationwide or just state wide):
CTP: Compulsory Third Party insurance. This will cover only personal injuries to the other party. I should get this from the place where I will do roadworthiness test. Third party property damage: This will cover third party property damage (if you hit someone´s car with your bike). Third Party Property Damage | Motorcycle Insurance - NRMA Insurance More digging needed... |
You are required to have registration in Australia and if you don't, you will very likely get caught unless you are staying in the outback only (and even then...). The police have scanners which read number plates and run them against a database, and if you're not registered they'll pull you over. Registration in any state or territory allows you to drive in all Australian states and territories.
Compulsory Third Party (CTP) is the only compulsory insurance. It will only cover you against causing injury/death to OTHER people (eg road users, pedestrians). In practice you pay this with your registration costs. All insurers are by law required to charge the same amount, but you can choose which insurer to use. Of course you can get additional insurance separately. You can get Comprehensive which insures against fire, theft, or damage to your bike (and sometimes your riding gear) even if you cause an accident, and will also insure against damage to other vehicles/buildings. It is the most expensive. Or you can get Fire and Theft which of course insures your bike against fire and theft. But you are not covered if you cause damage to other vehicles, buildings etc in an accident. If another driver/rider causes an accident and causes damage to your bike, they are obliged to pay for repairs (their insurance will usually do it if they're comprehensively insured). All insurers are required to have a product disclosure statement (PDS) which is the legally binding agreement/contract. They will tell you what you're covered for and what you're not covered for, your obligations, and other details. As far as insurers go most of them in Australia are OK but I also use InsureMyRide - they have been inexpensive and were easy to deal with when I had to make a claim. Five stars! Good luck! :mchappy: |
If your bike is on a Carnet and has current overseas registration you do not need to register the bike in Australia. However you do still need the CTP cover at minimum. You can expect to be pulled over for checks by the Police in major towns to check your Carnet and CTP.
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As I understand things, if you bike is registered in your own country, it will suffice for Australia. I have been told Swan Insurance will sell you 3rd party and comprensive insurance while you are here.
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for it didn´t work, we asked them and they couldn´t insure us. It was partly because they said we are not from Australia and as well they said that they do not have an Africa Twin in their database and therefore can not give us any insurance... And "theoretically" you need to register your bike, AU don´t care if you are registered somewhere else... but actually nobody cares much I think... Have a great ride! Cheers Sascha and GRTS from Kerstin! |
I did not register my bike to Oz (even I had to fill the form). I just did the roadworthiness test to get the CTP. Fast and easy.
I tried several insurance companies to get 3rd party insurance, but none of them agreed to give me an insurance because bike is not registered here… Few of them said that they cannot do anything with the bikes who have been imported under carnet. This seems to be unclear area for all insurance companies. But, at least I have minimum coverage, CTP which covers bodily injury to a 3rd party. |
not swan
Not Swan. They riped me off for an accident that was the car's fault, then they screwed me royally.
Then pretended not to know me. At the same time my policy was coming due, and the other arm of the company (not the one that was bending me over and lubing me up) was sending me reminders to renew my policy. Luckily I wasn't injured in the accident, so it was only my wallet that got amputated. |
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