insurance: Indian Motorcycle of Emeraldinsurance | Indian® Motorcycles - Australia -
indian spirit

Get a quote

Indian Motorcycle Insurance

Indian Motorcycle Insurance provides several benefits which include:

  • New motorcycle replacement cover after total loss:
    If within 24 months of the date of first registration, your insured motorcycle becomes a total loss, it may be replaced with a new motorcycle of the same make, model and series, subject to availability, or pay up to the amount covered.

  • Hire vehicle after theft:
    If your insured motorcycle is stolen, you will be reimbursed the cost of hiring a similar type of vehicle up to the maximum policy limit, until the motorcycle has been found and repaired or the insurer has replaced the motorcycle or indemnified you as the policy holder to the extent of the policy coverage.

  • Emergency travel and essential repairs:
    Coverage up to $500 for emergency travel and/or overnight accommodation in the event of an insured vehicle not being restored to a roadworthy and safe condition by Essential Repairs following an accident, theft or damage, over 100km from home.

  • Essential repairs:
    If your motorcycle is damaged in the instance of a covered event, the insurer will pay up to a maximum of $300 for the cost of essential repairs to restore your motorcycle to a roadworthy and safe condition to continue on to your intended destination.

  • Motorcycle apparel:
    When your motorcycle is lost or damaged in a covered event and subject to the PDS terms and a maximum policy benefit of $3,000, the insure will either:
    • Replace the item if it is less than 2 years old, or;
    • Reimburse you the current market value for items between 2-10 years old.

  • Motorcycle helmet:
    When your motorcycle is lost or damaged in a covered event, the insure will provide reimbursement of a reasonable cost for a replacement helmet up to the maximum policy benefit of $1,000.

  • Legal liability cover:
    Coverage of accidental damage to someone else’s property due to the use of your motorcycle, for which you would otherwise have legal liability. Comprehensive Cover includes up to $20 million Legal Liability cover.

  • Trailer cover (single axle trailers only)
    Coverage up to $1,000 if your trailer is accidentally damaged and/or stolen while attached to your motorcycle. Contents and fixtures of your trailer are not covered.

  • Keys and locks
    If your motorcycle keys are lost or stolen, you can claim the cost of replacement and recoding of locks up to a benefit limit of $750. You can claim this benefit once per period of insurance, free of excess.


The following eligibility rules apply to Indian’s Motorcycle Insurance:

  • Motorcycle does not have pre-existing damage;
  • Motorcycle is not used for excluded purposes (Courier / Business pool vehicle/ Hire (including Rideshare) / Rental / Delivery / Emergency Vehicle / Racing). Please refer to the PDS for the full list of excluded purposes.
  • Vehicle is registered & roadworthy
  • Rider must be at least 18 years of age
  • Rider must be the registered owner of the motorcycle
  • Rider(s) to be licensed (as per the rules in relevant state or territory)
  • Rider(s) to have a criminal, driving and accident history that is acceptable to the underwriting guidelines

Please read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) for full terms, conditions, exclusions and key factors before purchasing or quoting for this insurance.

The information on this website may contain general financial product advice that does not take into account your personal financial circumstances. In arranging this insurance, Indian Motorcycle (Polaris Sales Australia P/L) ABN 62 088 081 949 and its authorised Indian Motorcycle dealers act as agents of eric under contract, and not as your agent. Indian Motorcycle and its authorised Indian Motorcycle dealers have no liability under your Insurance Contract. Eric Insurance Limited ABN 18 009 129 793 Australian Financial Services Licence (AFSL) 238 279 (eric), is the issuer and underwriter of this insurance product.

Get a quote

Central Bike Centre - QLD 4720, - Emerald - Australia