Am I covered if I ride a motorcycle above 3000 metres?

Riding a motorcycle:

• To have cover for riding a motorcycle, you will need to take out the Motorcycle Pack for an additional premium. 
• Depending on the circumstances of your claim, certain cover is available on our policies for accidents while riding your motorcycle for recreational purposes only, you comply with the conditions of your policy and you are not racing, jumping or competing. You should read the exclusions and conditions on your policy for full details on what your policy does and does not cover.
• You must ride on a public registered road

• Cover is not available under any benefits for the motorcycle itself, such as damage, loss or theft.

Riding a moped or scooter:

• Cover is available under our policies for you to ride a moped or scooter with an engine size no greater than 50cc provided you comply with the conditions of your policy including but not limited to:
  • Have a current Australian drivers licence (Provisional or higher), and 
  • Licence valid for the country that you are riding in.

Riding a motorcycle:

• If you will be riding a motorcycle, moped or scooter with an engine size greater than 50cc, you must:
  •  Have a current Australian motorcycle licence (Provisional or higher) valid for the same size of motorcycle, regardless of the local laws, and 
  • Licence valid for the country that you are riding in.

Passenger on a motorcycle, moped or scooter:

• The person in control of the motorcycle, moped or scooter must hold a current licence (Provisional or higher) for the class of motorcycle, moped or scooter being ridden, 
• The person on control of the motorcycle, moped or scooter must be legally allowed to ride in the country that they are riding in, and
• You and the person in control of the motorcycle, moped or scooter must ride responsibly and comply with local laws.

Travel above 3000 metres:

• If you are riding a motorcycle on a public road and not off road, and comply with the conditions of your policy, cover is available under the Motorcycle Pack for riding above 3000 m. However, if you are going to be getting off your motorcycle at any time to hike, trek or tramp above 3000 m and under 6000 m, you will need to take out the Adventure Pack and comply with the conditions of your policy.

All claims are assessed on a case by case basis and the outcome of your claim will depend on your particular circumstances.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).