Motor Vehicle, Motorcycle & ATV Insurance That Keeps You Moving

Flexible insurance for cars, motorbikes and ATVs—covering everyday driving, business use and off-road activity across Australia.

Cover for cars, motorcycles, utes and ATVs
Options for comprehensive, fire & theft or third party
Protection against accident, theft and malicious damage
Agreed or market value options available

Get My Motor Vehicle Insurance Quote

Request a Motor Vehicle Insurance Quote

Full Name

Email Address

Phone Number

Vehicle Type

Year, Make and Model

Usage Type

Garaging Address

Overnight Parking Type

No obligation. Cover tailored to your vehicle and how you use it.

Understanding Your Cover

What Is Motor & Motorcycle Insurance?

Motor Vehicle, Motorcycle & ATV Insurance protects your vehicle against accidental damage, theft, fire and third-party property damage. Whether you’re driving a private car, riding a motorcycle or using an all-terrain vehicle for work or recreation, this cover helps protect against unexpected events.

Policies can be tailored to standard vehicles, prestige and high-value cars, motorbikes, quad bikes and ATVs, with options to suit everyday use, business use or off-road activity.

Is This For You?

Who Motor & Motorcycle Insurance Is For

This insurance is commonly arranged by:

Private car owners

Families with multiple vehicles

Prestige, luxury or high-performance car owners

Motorcycle and scooter riders

ATV and quad bike owners

Rural and farming property owners

Trades and business vehicle owners

Recreational and off-road users

Cover Options

What Does Motor & Motorcycle Insurance Typically Cover?

Accidental Damage

Damage caused by collisions, rollovers or impact.

Theft & Fire

Protection if your vehicle is stolen or damaged by fire.

Third Party Property Damage

Legal liability for damage to other people’s property.

Malicious Damage & Vandalism

Intentional damage by third parties.

Storm, Flood & Natural Events

Hail, storm, flood (subject to policy terms) and other insured events.

Beyond the Basics

Additional Covers & Policy Extensions

Agreed or market value options
New-for-old replacement (eligible vehicles)
Choice of repairer
Hire car after an insured event
Windscreen and glass cover
Accessories and modifications cover
Off-road use extensions
Unregistered vehicle cover (limited)
Riding gear and helmet cover (motorcycles)
Multi-vehicle discounts
Prestige vehicle policies may offer broader cover, higher limits and specialist repair arrangements.

Policy Options

How Motor & Motorcycle Insurance Is Structured

Comprehensive Cover

Broad protection for your vehicle and third-party property.

Third Party Fire & Theft

Covers third-party damage plus fire and theft of your vehicle.

Third Party Only

Covers damage your vehicle causes to others’ property.

Policies are generally annual, written on an occurrence basis, with vehicles insured at agreed or market value. Excesses apply per claim, and usage, location and licensing affect premium and eligibility.

Why It Matters

Tailored motor and motorcycle solutions

Vehicles represent a significant financial investment

Repair and replacement costs can be substantial

Protects against liability to others

Covers theft, accidents and weather events

Supports fast recovery and mobility

Protect Your Vehicle With Confidence

Speak with a broker who understands cars, bikes and off-road vehicles.

Get My Motor Vehicle Insurance Quote

Important: Motor Vehicle, Motorcycle & ATV Insurance does not replace compulsory third-party insurance, which is required separately for registered vehicles. Off-road use, unregistered vehicles, modifications and high-risk activities must be disclosed and accepted by the insurer. Coverage, limits and exclusions vary between insurers. Advice from an insurance broker is recommended.

FAQ's

Motor vehicle insurance can cover private cars, prestige and luxury vehicles, motorcycles, scooters, ATVs, quad bikes and certain unregistered vehicles, subject to insurer acceptance and usage details.

Comprehensive cover protects your vehicle and third-party property. Third party cover only protects against damage your vehicle causes to others’ property and does not cover damage to your own vehicle.

No. CTP insurance is required separately for registered vehicles and covers injury to people. Motor vehicle insurance covers property damage and loss to your vehicle.

Off-road use is not automatically covered and must be disclosed. ATVs, quad bikes and some motorcycles may require specific off-road extensions, particularly for farm or recreational track use.

Limited cover may be available for unregistered vehicles used on private property or farms. Usage and location must be declared and accepted by the insurer.

Agreed value is a fixed amount agreed at policy inception. Market value reflects the vehicle’s value at the time of loss. Prestige and enthusiast vehicles often benefit from agreed value cover.

Accessories and modifications are usually covered only if declared and insured. Undisclosed modifications may not be covered in a claim.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Many motorcycle policies offer optional cover for helmets and protective riding gear, subject to limits and conditions.

Hire car cover is often optional and may be included following an insured event, depending on policy selection.

Premiums are influenced by:

Claims can be lodged online or through your broker. Depending on the claim, insurers may authorise repairs, arrange replacement or provide a cash settlement after applying the excess.

broker helps ensure:

Insurance made easy.