Insurance for Bikes

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Frequently Asked Questions

 

Is Motorcycle Insurance compulsory in South Africa?

No, Motorcycle Insurance in South Africa isn’t legally required. However, it’s highly recommended to protect against theft, accidents, and third-party damage, which can be very costly without cover.

How much does Motorcycle Insurance cost in South Africa?

Bike cover premiums depend on factors like your age, riding experience, bike type, location, and claims history. Basic bike cover may start from a few hundred rand monthly, while comprehensive Motorbike Insurance costs more. Contact Budget for an accurate, quick Motorcycle Insurance quote online. 

 

What does Comprehensive Motorcycle Insurance cover?

Comprehensive cover includes theft, accident damage, fire, and third-party liability. Budget also offers roadside assistance and optional cover for helmets, gear, or accessories.

 

Can I insure my motorcycle gear?

Yes, most insurers allow you to add cover for riding gear like helmets, jackets, boots, or GPS devices. This protects against theft or damage if your bike is stolen or damaged with your bike.

 

Key Motorcycle Insurance Terms

Gear and Helmet Protection

 

Your policy can cover essential riding gear — from helmets and gloves to jackets and boots. If they’re damaged or stolen during an insured incident, you may receive compensation for repair or replacement within set limits.

Passenger (Pillion) Liability

 

This add-on extends third-party liability to include a passenger riding on the back of your motorcycle. Without pillion cover, injuries to your passenger might not be insured in the event of an accident.

Motorcycle Roadside Assistance

 

Bikes are more vulnerable to flat tyres, dead batteries, or breakdowns. Roadside Assistance provides towing, emergency fuel delivery, or mechanical help on the spot so you can get moving again.

 

Cover for Bike Customisations

 

Custom exhausts, paintwork, and performance upgrades aren’t always automatically included in your policy. To protect them, they must be declared; otherwise, insurers may not cover loss or damage to modified parts.