The use that you choose is stated on your policy schedule. It’s vital that you insure your motorcycle for the correct use.
Private use covers the named rider for private and social purposes, including riding between home and work (and shopping on the weekend, visiting gran, and even stopping for takeaways).
Business use covers the named rider for private use, with additional cover for when the motorcycle forms an essential part of any work or function but excluding deliveries.
Motorcycles that are used for the following aren't covered by us:
-Emergency services (including traffic control and armed response
-Taxi purposes or transporting of fare-paying passengers
We may require you to fit an anti-theft device to your motorcycle.
If a tracking device is a condition of cover, you need to inform the relevant tracking company, immediately after a theft or hi-jacking takes place. You won’t enjoy theft and hi-jack cover if the required tracking device isn’t installed.
Any South African NATIS-registered motorcycle that’s classified as a:
- Naked superbike
- Muscle bike
- Touring bike
- Super touring bike
- Dual sport bike
- Custom bike
- Classic bike
The following motorcycles aren’t covered by us:
- Full off-road bikes
- Quad bikes
- Trail bikes
- Pit bikes
- Buggies and side-by-sides
- Hyper superbikes
We won’t cover you for riding with an endorsed licence or without a valid licence.
You’re also not covered for riding with a foreign licence, unless you have a valid international permit or licence that was issued in your country. The licence must be in English (or be translated into English by the authorities of that country), and must have a photo of you. Any person living in South Africa permanently must get a South Africa licence within 1 year of becoming a permanent resident. If the foreign licence is a provisional or learner’s licence, you must get a valid South Africa driver’s licence.
If you only have a learner’s licence, you are not covered if you’re carrying a passenger at the time of an incident.
Contact us for a quote
We offer cheap, comprehensive motorbike insurance and other insurance options to motorbike riders in South Africa. We know that motorbikes can be expensive. So, make sure you get the cover you need to give you the peace of mind you deserve on our busy roads. Start by filling in our contact form.