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Prevail is Allianz’s trusted partner for motorcycle insurance

Your motorcycle deserves specialist cover

Whether you ride daily, restore classics or customise your build, your motorcycle deserves cover that matches the way you ride. That's why we've partnered with Prevail, the specialist motorcycle insurer, backed by us.

To arrange your Prevail motorcycle cover, you'll work with an insurance broker. They'll connect with the Prevail team, who understand your motorcycle's value, its risks, and the available cover options. Acting on your behalf, your broker ensures everything's in order — something a standard online quote may not be able to provide for a motorcycle like yours.

Don't have an insurance broker? Prevail can help you find an established broker, or read our Guide to using an insurance broker for more support. Curious why you can’t buy directly without a broker? We explain more in our FAQs.

Why choose Prevail for motorcycle insurance?

Prevail is Allianz’s trusted partner for comprehensive motorcycle insurance, fully backed by us. Their expertise builds on the heritage of Dawes Motorcycle Insurance, with nearly 40 years' experience covering motorcycles. Their dedicated team focuses on motorcycle insurance and has partnered with Allianz since 2017. Here's what sets them apart.

Flexible cover

Prevail knows every motorcycle and rider is unique. That's why they offer tailored cover, whether you ride daily or only at weekends.

shield and spanner

Specialist repair network

Choose your own repairer or Prevail can arrange one for you. If the insurer authorises repairs, the workmanship and materials are guaranteed for the life of your motorcycle.

Streamlined claims

Prevail has an experienced motorcycle claims team, so your claim moves as quickly and smoothly as possible.

Ready to find insurance cover that fits your motorcycle? Contact Prevail.

What sort of motorcycles does Prevail cover?

Prevail covers a wide range of motorcycles, from your daily ride to rare classics tucked away in the garage. Here's what's included.

Classic and vintage motorcycle insurance

Classic and vintage cover suits motorcycles that are years, sometimes decades old, including models no longer in production. This can include your Triumph, Royal Enfield, or Norton. If your motorcycle is in storage or being restored, Prevail's Storage/Restoration cover applies while it’s being stored/restored. 

Cruiser motorcycle insurance

Cruiser cover suits motorcycles built for comfort and style on long, open rides. This can include your Harley-Davidson, Indian, or Kawasaki.

Daily commuter and scooter motorcycle insurance

Whether you ride to work or run errands around town, this cover suits motorcycles built for everyday use. This can include your Vespa, Honda CB650R, or Kymco scooter. There's no limit on kilometres ridden each year.

Touring motorcycle insurance

Touring cover suits motorcycles built for long-distance comfort and carrying capacity. This can include your Honda Gold Wing or Yamaha Tracer.

Sports motorcycle insurance

Sports cover suits motorcycles built for speed and performance. This can include your Ducati, BMW, Suzuki, or KTM.

Luxury and prestige motorcycle insurance

Luxury and prestige cover suits high-end motorcycles known for premium features and craftsmanship. This can include your MV Agusta, for example.

Found your category? Contact Prevail to talk through your cover.

What does Prevail motorcycle insurance cover?

Below is a snapshot of what Prevail's Elite Motorcycle Insurance covers. These features and benefits are a summary only. For the full list of inclusions and exclusions, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).

  • Four years new-for-old replacement
  • If your motorcycle's written off within four years of first registration, we'll replace it with a brand new motorcycle of the same make and model.¹
  • Emergency repairs and accommodation
  • We'll cover up to $5,000 for accommodation, travel costs, or emergency repairs if an insured accident happens more than 150 km from home. 
  • Any rider cover
  • Cover for anyone you give permission to ride your motorcycle. Rider and usage exclusions apply.²
  • Choice of repairer
  • Choose your own repairer or Prevail can help you find one.³ 
  • Hire motorcycle after an accident or theft
  • We'll cover up to $150 a day, capped at $3,000 in total, for the cost to hire a motorcycle if yours is stolen or damaged in a covered accident.⁴
  • Accessories and modifications
  • Tell us about your motorcycle's accessories and modifications, and we can include them as part of your cover.
  • Personal property, including riding gear
  • Cover up to $5,000 in total ($2,500 per item) for personal property damaged in a covered accident or theft, including your helmet and riding gear.

Frequently asked questions

Prevail Insurance

Prevail is our specialist partner for comprehensive motorcycle insurance. They arrange cover for everyday rides, cruisers, tourers, sports motorcycles, classics and custom builds.

Yes. Prevail's Elite Motorcycle Insurance is backed by us, so you're in familiar hands. Prevail brings together three long-established names, Dawes, Mansions, and Argis, with decades of combined motor insurance experience. They're also part of the Steadfast Group, one of Australia's largest insurance broker networks.

Dawes, Mansions and Argis came together to form Prevail in October 2025. Visit Prevail for more information.

We're not stepping back, we're bringing in a specialist for you. Prevail is our trusted partner for comprehensive motorcycle insurance, and we back their Elite Motorcycle Insurance product. It's the same care you'd expect from us, delivered by people who know motorcycles inside out.

Motorcycle coverage

Based on the Prevail Elite Motorcycle Insurance PDS and TMDs, there are two ways you can insure your motorcycle - agreed value or market value. Agreed value is the dollar amount shown on your policy schedule, which you and Prevail agree on when you take out your policy. Market value is the cost to replace your motorcycle with one of the same make, model and condition. It's based on the motorcycle's value just before the loss or damage happened. Your policy schedule shows which one applies to you.

The policy won’t cover deliveries, courier work, or carrying goods or passengers for hire or reward. But if you use your motorcycle for other business purposes, you can tell Prevail and they'll add this to your policy schedule before you're covered.

This use isn’t covered. Your motorcycle needs to be registered with the relevant transport authority in Australia. Your cover also only applies on roads maintained by a local, state, federal or territory government authority. This means unregistered dirtbikes and motorcycles used off-road aren't covered. If you've got an unregistered classic or collectable motorcycle, you may still be eligible for Prevail's storage and restoration cover.

Working with a broker

We've partnered with Prevail to bring specialist motorcycle insurance expertise to riders, whether you're commuting daily or restoring a classic. Cover is arranged exclusively through insurance brokers, who'll connect you with Prevail's dedicated team to find the right options for your motorcycle.

An insurance broker is a licensed professional who works for you, not the insurer. They'll take the time to understand how you ride and put together cover to suit you. Brokers often have access to policies that aren't available directly to the public, and they'll liaise with Prevail on your behalf, so you're kept in the loop. Read our Guide to using an insurance broker.

Whatever you ride, a broker understands your motorcycle's value, its risks, and the cover options available to you. They'll handle the details on your behalf, something a generic online quote often can't do for a motorcycle like yours.

Prevail can connect you with an established insurance broker. Get in touch with their team, and they'll help you find the right fit.

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*Conditions apply

  1. If your motorcycle's a Total Loss within 48 months of its original registration, and you're the first registered owner (or bought a demonstrator model with less than 1,000 km on the odometer), we'll replace it with a brand new motorcycle of the same make and model, where available, or a superseded model if the previous model's no longer available.
  2. If the rider isn't listed on your policy, cover extends to a person who holds an Australian or New Zealand full or provisional rider's licence and is over the prescribed age shown on your schedule. This is provided they don't live in your household or at your listed overnight parking address.
  3. If you choose your own repairer, we may ask for a second quote from a repairer we choose, to make sure the quote you've received is fair and reasonable. We'll then authorise repairs, pay you reasonable repair costs or your motorcycle's agreed value, or replace your motorcycle where policy conditions are met.
  4. Hire motorcycle cover applies if your motorcycle's insured on a 'Regular use' basis, up to $150 a day, capped at $3,000 in total.

Please refer to the relevant Prevail Elite Motorcycle Insurance Product Disclosure Statement, Target Market Determination and Financial Services Guide, which can be obtained by contacting Prevail on 1300 188 299 or visiting Prevail Insurance website before deciding to acquire, or to continue to hold any Prevail product. Prevail Insurance Pty Ltd (ABN 15 096 726 895, AFSL 234437) (‘Prevail’) acts under a binding authority as an agent for the insurer of the Prevail Elite Motor Insurance products, Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708) (‘Allianz’), to arrange contracts of insurance.

 

Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.