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Motorbike insurance

Insurance for your 2-wheeled wonder... Including cover you’ll only get with the king

In a nutshell

The king’s comprehensive motorbike insurance covers you for accident damage, theft and hi-jacking, and for your liability to other parties following a motorbike accident. And, because we care about you, you’re also covered for medical expenses related to an accident involving the insured motorbike, as well as for some accidental damage that happens at track school.

Just to be clear

We do things a little differently, so here are some terms you might not have come across before, but which are important to our motorbike cover:

  • Named rider: When your motorbike is insured with King Price, only the named rider stated on your policy schedule will be covered in the event of a claim. This means that there won’t be cover if anyone else rides your motorbike... Not your spouse or son, not your mate visiting from Oz, not your neighbour. No 1.
  • Agreed value: The agreed value that’s shown on your King Price policy schedule refers to the amount that the motorbike is covered for. This agreed value must be, well, agreed on by you and us, and must include the non-standard fitted extras and accessories. This agreed value won’t depreciate, and so your motorbike premium won’t decrease monthly (sorry). It’s your responsibility to review this agreed value regularly.
  • Motorbike: The motorbike that you’ve insured with us, as stated on your policy schedule, including all its parts and attached accessories, which must be a South African NATIS-registered motorbike.

Get a quote now to see how much you can save on motorbike insurance:

I agree to the King Price terms and conditions.

You can choose the cover you want

Comprehensive cover

This covers you for accident damage, theft and hi-jacking, and for damage that you accidentally cause to other parties and/or their property as a result of a motorbike accident.

You’re also covered for:

  • Medical expenses for the named rider following an accident involving the insured motorbike,
  • Some accidental damage that happens at track school provided that we’ve pre-authorised the track day.
  • Hail damage.
  • Damage that happens while on- or off-loading, or transporting, your motorbike.
  • Business use (but not if you’re doing deliveries, sorry).
  • Damage that happens while your motorbike is being on- or off-loaded, or is in transit.

Third party and theft

Here, you’re covered for theft and hi-jacking, as well as for liability for injury to other people and damage to their property as a result of a motorbike accident. Third party and theft insurance doesn’t cover any accidental damage to your own motorbike.

Third party only

Here you’re covered for liability for injury to other people or damage to their property as a result of a motorbike accident.

Theft only

Some cover is way better than no cover at all. Here, you’re covered for theft and hi-jacking.

Optional extra cover

Cover more, pay a little more

Car hire

Provided that you have a valid driver’s licence for a car, the king’s car hire will ensure that you have a rental car for up to 30 days after a successful claim for the loss of, or damage to, your insured motorbike.

Shortfall cover

If your insured motorbike is financed by a financial institution at the time of it being written-off, stolen or hi-jacked, then shortfall cover pays any amount that you may still owe to the financer after we’ve paid out the agreed value that’s stated on your policy schedule.

R1 insurance

You can link your comprehensive motorbike cover to R1 insurance for the named rider’s gear, like the helmet, leathers, gloves, boots and neck brace. Yup, you’ll pay just R1 monthly to cover this gear against accidental damage!

Frequently asked questions about motorbike insurance

When your motorbike is insured with King Price, only the named rider stated on your policy schedule will be covered in the event of a claim. This means that there won’t be cover if anyone else rides your motorbike… Not your spouse or son, not your mate visiting from Oz, not your neighbour. No 1.
The agreed value that’s shown on your King Price policy schedule refers to the amount that the motorbike is covered for. This agreed value must be, well, agreed on by you and us, and must include the non-standard fitted extras and accessories. This agreed value won’t depreciate, and so your motorbike premium won’t decrease monthly (sorry).
Any South African NATIS-registered motorbike that’s classified as a:
Superbike
Naked superbike
Muscle bike
Touring bike
Super touring bike
Dual sport bike
Motard
Cruiser
Custom bike
Classic bike
Scooter
Hyperscooter
3-wheeler
Sidecar
The use that you choose is stated on your policy schedule. It’s vital that you insure your motorbike 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 mom, and stopping in at KFC).

Business use covers the named rider for private use, with additional cover for when the motorbike forms an essential part of any work or function but excluding deliveries.

Motorbikes that are used for the following aren't covered by the king:
Emergency services (including traffic control and armed response)
Law enforcement
Towing
Taxi purposes or transporting of fare-paying passengers
Deliveries
The following motorbikes aren’t covered by the king:
Full off-road bikes
Quad bikes
Trail bikes
Pit bikes
Buggies and side-by-sides
Hyper superbikes
King Price 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 SA permanently must get a SA 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 SA driver’s licence.

If you only have a learner’s licence, you’re not covered if you’re carrying a passenger at the time of an incident.
With King Price, your motorbike is covered in SA, Botswana, Lesotho, Mozambique, Namibia, Swaziland and Zimbabwe when used for private purposes. If your motorbike is insured for business use, then it’s not covered while being used for business purposes outside SA. It will only be covered when used for private purposes.
King Price may require you to fit an anti-theft device to your motorbike.

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. Your safety is our concern, always.