motorcycle driving down road at high speed
Range of Motorbike Insurance Options
We have a range of insurance cover options to choose from, with specialist policies for both on and off-road motorcycles. We offer a comprehensive Full Cover motorcycle insurance policy, as well as Fire, Theft and Transit; Third Party Fire and Theft; and Storage Cover options. This allows you to tailor the level of your insurance cover to suit both your motorcycle and your budget.
We make it easy to choose; when you get an online quote from us, we will guide you through what each option covers and explain the benefits, premiums, and excess side by side for you to make an easy, informed decision. View our motorcycle insurance plans below and contact us today to learn more.
All policies are based on Agreed Value.
 

Insurance Cover Options

Full Cover Motorcycle Insurance

Storage Cover

  • Fire in a Locked Building
  • Theft From a Locked Building
  • Accidental damage occurring any time the engine isn't running
  • Low cost option designed specifically for motorcycles in long-term storage

Third Party Fire & Theft

  • Third Party Liability
  • Damage to your motorcycle by fire or theft
  • Additional limited cover if you are hit by an uninsured vehicle

Fire, Theft and Transit

  • Third Party Liability
  • Damage to your motorcycle by fire or theft
  • Accidental damage occurring any time the engine isn't running
  • A popular choice for off-road bikes!
*Terms and conditions apply. The 10% off motorcycle insurance offer is available to eligible customers (on motorcycles that are not already insured through Assurant) who purchase a new Full Cover Motorcycle Insurance policy online via the Assurant New Zealand website (www.assurant.nz) between 18 November 2025 and 31 August 2026. Offer excludes Storage Cover, Third Party Fire & Theft, and Fire, Theft and Transit policies. Offer also excludes Classic motorcycles. If your motorcycle requires a referral due to its type or value, an instant quote may not be available, and the discount may not apply.
The above is only a summary of what our insurance options cover and is only intended as a guide. Please get in touch with us to get a tailored quote for your motorcycle insurance needs. This insurance is issued by Protecta Insurance New Zealand Limited (NZ Company No 312700) (Protecta) as agent for Virginia Surety Company Inc, New Zealand branch (a US incorporated company with NZ Company No 920655) (VSC). The insurance is underwritten by VSC. Protecta and VSC are part of the Assurant, Inc. group (Assurant).

Assurant Vehicle Care®

An innovative suite of F&I products to meet the needs of today’s vehicle owners. Offering customers more vehicle coverage, more flexibility and more transparency.
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance
Motor Vehicle Insurance
Motor Vehicle Insurance
Classic Vehicle Insurance
Classic Vehicle Insurance
Motorcycle Insurance
Motorcycle Insurance
Guaranteed Asset Protection
Guaranteed Asset Protection
Payment Protection Insurance
Payment Protection Insurance

Why Assurant?

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motorbike on the road riding. having fun driving the empty road on a motorcycle tour journey. copyspace for your individual text. Fast Motion Blur effect

Book motorcycle insurance online or over the phone

You can obtain a quote for motorcycle insurance online, and choose to purchase online or over the phone with our friendly customer service team at 0800 776 832. Our quotes are fast, easy, and affordable.

Did you also know that you can choose the date you would like to start your policy, so you can have your insurance sorted before you collect your new bike? Simply select the appropriate date on the options screen when you purchase your motorcycle insurance policy.

Get a quote

Looking for more help & support?

Kiwi Operated

Established in 1986 as Protecta Insurance New Zealand Limited, now as Assurant we are proud to still be NZ operated. With our head office located in Auckland. We specialise in motoring products, in addition to our car insurance policies we are also one of New Zealand's leading motorcycle insurance providers.

Policy Benefits

Assurant is a Motorcycle Insurance Specialist, and our policy benefits reflect this. Our Full Cover motorcycle insurance policy includes apparel cover, roadside assistance, transport cover, riding apparel cover, rebates for attending Ride Forever training courses, completion of journey costs, cover for your friends to ride your motorbike, and much more - all backed up by a claims team who understand motorbikes because they ride themselves.

For more information on what cover is provided by this policy, please see the Policy Wording for our Motorcycle Insurance.

Get in touch with our team!

More information on what our motorcycle insurance policy offers you is available by reading our Motorcycle Insurance Policy Wording, viewing our Motorcycle Insurance FAQs below, or by getting a motorcycle insurance quote online today.

Motorcycle Insurance FAQs

When we receive your claim, there are a few steps to work through, but rest assured one of our experienced claim handlers will guide you through the process. First off, we will ask you to download a motorcycle insurance claim form, complete it, then send it in to us, which is the start of the claims process. We’ll also organise for your motorcycle to be taken to a suitable dealership to be repaired. You can choose your repairer, or if you prefer, we can organise a dealer in your area on your behalf.

Once the dealer has received your bike, they’ll send us a quote for the cost of repairing the bike. If the damage is relatively minor, repairs can normally start straight away. If there is a large amount of damage, or if there may be issues around parts supply, then sometimes things can take a little longer. There may also be more complicated cases where an independent assessor (a freelance expert who specialises in assessing required repairs) may be called in to determine the best way forward.

Where the cost of the repairs means that the bike is likely to be written off, we’ll send you a Discharge Form, which forms the settlement of your claim. When you sign the form and send it back to us, we’ll pay out the settlement figure and the wreck of the bike then becomes our property. Some riders choose to buy back their wreck, if you wish to do this then tell us as the time and we’ll advise you of the process for this.

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