South Africa · Motorcycle insurance

Motorcycle insurance for the ride you actually make.

Compare motorbike insurance in South Africa for your actual riding use. A commuter bike, a weekend ride and a delivery scooter need different checks before price becomes useful.

Choose your riding use Compare 14 cover records

9 insurers · Individual quotes required · Reviewed 9 September 2026

First: get the use right

What does a normal week on your bike look like?

Commute or ride for leisureCompare private-use policies with your actual rider, parking and licence details.See the policy shortlist →Ride for workSeparate visits to clients from paid collections or food and parcel deliveries.Check work-use acceptance →Protect a financed or equipped bikeCheck total-loss value alongside luggage, modifications and protective equipment.See the policy shortlist →

Paid deliveries need explicit acceptance. None of the records below is verified here as a delivery policy.

Step 2 of 3 · Policy shortlist

Compare 14 motorcycle insurance policy records

14 officially sourced cover records from 9 insurers. Distinct Santam and King Price levels and Momentum’s personal and business offerings are listed separately. This is a limited market sample; policy records do not represent the same number of insurers. All prices require a personal quote. Delivery acceptance is not verified.

Sort this shortlist

Server order shows published prices first, then quote-required records A to Z.

14cover records

Quote firstsame rider and bike facts

Up to 3policies to compare

Step 3Quote & buy help

Indicative comparison, not a personal quote

Every record requires an individual quote. There is no numeric price ranking in this sample; equal unknown prices stay in insurer and plan name order. Confirm the current premium, policy wording, limits, excesses, waiting periods and underwriting outcome with the provider.

Rating (1-5) measures source clarity: one point each for official identity, motorcycle-specific scope, a numeric excess, an explicit use rule and described assistance. A tick confirms that information in the reviewed source, not eligibility or unlimited cover. It is not a customer rating, claims-performance measure or recommendation. Each record shows its own review date. Equal scores use insurer and plan name order.

Motorcycle policy records: all quotes required, insurer and plan A to Z
Compare	Insurer and plan	Starting premium	Support signals	Clarity score	Next step
Add	01Auto & GeneralComprehensive motorcycle Accidental damage and theft; personal or social use. Accessories and approved towing are described; hail is listed as optional. Policy and review details Legal entity Auto and General Insurance Company Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Auto & General motorcycle cover	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Personal/social use only in reviewed product material. Excess Ask for the complete damage and theft excess schedule. Claim route Use the approved towline and request a claim reference. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity4.0/ 54.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	02BudgetComprehensive motorcycle Accident damage, theft and third-party liability. Standard accessories have an event condition; valuable riding equipment can be added. Policy and review details Legal entity Budget Insurance Company Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Budget motorcycle cover and equipment	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Confirm acceptance before using the motorcycle for work. Excess Personalised excess not published on the product page. Claim route Budget Assist includes roadside assistance; notify the insurer for claim instructions. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	03DialdirectMotorcycle insurance Motorcycles and scooters appear in the vehicle directory. Exact motorcycle benefits and cover level need confirmation on the quote. Policy and review details Legal entity Dial Direct Insurance Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Dialdirect vehicle and motorcycle availability	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Vehicle-level options are not proof that every motorcycle qualifies. Excess Request the motorcycle-specific excess and policy wording. Claim route Use the insurer’s claims service; confirm approved towing before recovery. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity1.0/ 51.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	04Discovery InsureMotorcycle insurance Motorcycles and quad bikes are listed; insured events include collision, theft, fire and weather damage. Plan-specific terms apply. Policy and review details Legal entity Discovery Insure Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Discovery motorcycle insurance	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Check the selected plan’s motorcycle rules rather than importing its car benefits. Excess Obtain the selected plan’s motorcycle excess schedule. Claim route Emergency roadside help and TripMonitor are described; follow plan claim instructions. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	05King PriceMotorbike insurance Named-rider motorbike protection with use and vehicle restrictions. Read the current schedule for the chosen cover and equipment. Policy and review details Legal entity King Price Insurance Company Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence King Price motorbike wording: rider and use conditions	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Collections and deliveries are excluded in reviewed wording. Excess Confirm the basic and additional excesses in the schedule. Claim route Notify the insurer and follow the authorised recovery and repair process. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	06King PriceTheft-only motorcycle Motorcycle theft and hijacking, including attempted theft or hijacking. This level does not establish collision or third-party liability cover. Policy and review details Legal entity King Price Insurance Company Limited Reviewed 2026-09-09 by AfriPolicyCover Editorial (source review) Evidence King Price official motorbike cover options	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Collections and deliveries are excluded in reviewed wording. Excess Request the excess for this selected cover level; do not copy the comprehensive policy excess. Claim route Notify King Price through its claims process; confirm recovery assistance for this specific level before using it. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	07King PriceThird-party-only motorcycle Liability for damage to other people’s property after an insured motorcycle accident. Own-bike damage and theft are not covered by this level. Policy and review details Legal entity King Price Insurance Company Limited Reviewed 2026-09-09 by AfriPolicyCover Editorial (source review) Evidence King Price official motorbike cover options	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Collections and deliveries are excluded in reviewed wording. Excess Request the excess for this selected cover level; do not copy the comprehensive policy excess. Claim route Notify King Price through its claims process; confirm recovery assistance for this specific level before using it. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	08MiWayMotorcycle insurance Bike protection with specified gear and accessory options. Track cover is listed as optional and requires its own accepted terms. Policy and review details Legal entity MiWay Insurance Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence MiWay motorcycle cover and excess	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Obtain explicit acceptance for the actual riding activity. Excess Published standard excess: 10% of claim, minimum R3,500; confirm additional excesses. Claim route MiHelp roadside assistance is described; use the insurer’s claim channel. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity4.0/ 54.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	09Momentum InsureBusiness motorcycle The business vehicle section expressly includes registered motorcycles for work, with theft and damage described. Exact liability, goods and operating-use terms require the accepted quote. Policy and review details Legal entity Momentum Insure Company Limited Reviewed 2026-09-09 by AfriPolicyCover Editorial (source review) Evidence Momentum business insurance: motorcycles and work vehicles	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Business motorcycle offering; paid food or parcel deliveries still require specific written acceptance. Excess No numeric motorcycle excess is published on this product page; request the full business policy schedule. Claim route Notify Momentum Insure through the business claim route; agree recovery and preserve work-journey evidence. Insurer identity sourceOfficial PAIA manual establishes the insurer’s legal identity; verify current permissions in the FSCA register before purchase.	Source clarity4.0/ 54.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	10Momentum InsureSelect personal motorcycle Select expressly includes motorcycles within its personal vehicle offering. Obtain the motorcycle-specific cover level, limits and equipment terms; car-only benefits are not assumed. Policy and review details Legal entity Momentum Insure Company Limited Reviewed 2026-09-09 by AfriPolicyCover Editorial (source review) Evidence Momentum Select: personal vehicle scope	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Describe private riding and commuting; this product page does not confirm paid-delivery acceptance. Excess Request the motorcycle damage and theft excesses. Car windscreen or audio concessions are not treated as bike excess terms. Claim route Use Momentum Insure’s claim channel and confirm the applicable Momentum Assist recovery arrangements for the bike. Insurer identity sourceOfficial PAIA manual establishes the insurer’s legal identity; verify current permissions in the FSCA register before purchase.	Source clarity3.0/ 53.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	11OUTsuranceComprehensive motorcycle Own-bike insured damage and third-party liability under comprehensive motorcycle cover. Read the value and excess conditions. Policy and review details Legal entity OUTsurance Insurance Company Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence OUTsurance motorcycle insurance	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Confirm licence, rider, use and territory before purchase. Excess Request a damage and total-loss excess calculation. Claim route Follow the insurer’s approved assistance and claims instructions. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity2.0/ 52.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	12SantamComprehensive Own-bike accidental loss or damage and vehicle-related third-party liability. Policy and review details Legal entity Santam Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Santam personal insurance: vehicle cover levels	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Gear, work use and extensions need individual confirmation. Excess Ask for the excess applicable to this selected vehicle cover level. Claim route Notify Santam or the appointed intermediary; request the section-specific claim requirements. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity2.0/ 52.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	13SantamLimited fire, theft and hijacking Specified fire, theft and hijacking events with vehicle-related third-party liability. Policy and review details Legal entity Santam Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Santam personal insurance: vehicle cover levels	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Own-bike collision damage is outside this limited cover level. Excess Ask for the excess applicable to this selected vehicle cover level. Claim route Notify Santam or the appointed intermediary; request the section-specific claim requirements. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity2.0/ 52.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached
Add	14SantamThird-party only Vehicle-related third-party liability; the bike itself is not insured for own loss. Policy and review details Legal entity Santam Limited Reviewed 2026-09-08 by AfriPolicyCover Editorial (source review) Evidence Santam personal insurance: vehicle cover levels	Starting premiumQuote requiredNo comparable published entry premium	Source clarity checks Official identity Motorcycle scope Numeric excess Explicit use rule Assistance described Use boundary Your own bike’s damage, theft and replacement remain your cost. Excess Ask for the excess applicable to this selected vehicle cover level. Claim route Notify Santam or the appointed intermediary; request the section-specific claim requirements. Insurer identity sourceOfficial insurer identity disclosure; verify current permissions in the FSCA register before purchase.	Source clarity2.0/ 52.0 of 5 source checks confirmed	Next stepBuy Official homepage Quote help keeps this plan attached

Support signals describe fields in the maintained directory record. “Not shown” means the record does not currently carry that signal; it does not prove the provider lacks the service.

Then: decide which loss matters

The machine. The claim. The equipment.

These are three separate costs. A motorcycle policy can address an insured bike loss and liability, but the accepted rider and use still control whether it responds.

Repair or replace the bike: Check the cover level and settlement value. The amount outstanding on finance is a separate calculation.
Pay the claim excess: Ask for the combined damage and theft excesses, including any percentage, minimum or additional amount.
Replace damaged riding gear: Get the helmet, jacket, gloves, luggage and modifications confirmed under the appropriate benefit. Keep item-level evidence. Ask whether cover applies only when the bike has an insured accident or also when equipment is stolen separately; attached accessories and worn gear can have different conditions.

Parked road motorcycle with a separate helmet and gloves in a South African driveway — The bike and the gear need separate checks: an insured motorcycle does not automatically make every accessory or helmet claim payable. Open the PNG master.

Run the same loss through each cover level

Compare like with like. Third-party-only cover leaves your own bike exposed, even when another person’s property claim can be considered. For motorcycle theft insurance, establish that theft is included and ask about the accepted parking, locks, tracker and notification requirements. Do not buy a security device on an assumption that every insurer requires or accepts the same one.

What happens to your bike under three cover levels?
Loss scenario	Comprehensive	Fire and theft with liability	Third-party only
You drop the bike in a covered collision	Own damage can respond	Own repair is yours	Own repair is yours
The bike is stolen	Subject to theft conditions	Subject to theft conditions	Own replacement is yours
An insured fire damages the bike	Can respond	Can respond	Own repair is yours
You damage another vehicle	Liability section and limit apply	Liability section and limit apply	Core purpose; limit applies
Your helmet is damaged	Check separate gear benefit	Do not assume included	Do not assume included
You use the bike for deliveries	Needs explicit acceptance	Needs explicit acceptance	Needs explicit acceptance

Follow the collision, theft and liability examples →

Six answers to get before paying

Before the first ride: turn a quote into written answers
Ask for	Why it matters	Keep as evidence
Named-rider rule	A friend’s test ride may fall outside cover	Accepted rider and licence details
Theft conditions	Security obligations can qualify a theft claim	Tracker, lock or parking requirements
Full excess calculation	A percentage and minimum can change affordability	An example for damage and total loss
Value basis	The finance balance is not automatically the insured value	Schedule and finance settlement letter
Gear and accessories	Attached parts and worn equipment are different	Item list, receipts and endorsement
Work and travel use	Commuting does not establish courier acceptance	Written use and territory confirmation

Keep the quote assumptions unchanged when asking another insurer to price the same risk. A cheaper figure with different excesses, riding use or equipment is a different proposition.

Use the cost and excess worksheet →

From shortlist to first ride

Put the agreement in writing

Describe the actual riding
Include commuting, work trips, deliveries, passengers and any track or off-road riding. Ask which activities the insurer will accept.
Match rider and machine
Confirm the bike category, registration, named rider and licence. Record any inspection or security condition before the start date.
Compare the loss and the cash gap
Use the same insured value and cover level. Ask for the total excess on an ordinary damage claim and on theft.
Check the final schedule
Read the accepted terms, effective date, equipment list and claim contacts before treating the bike as insured.

Buying your first motorcycle?

A quote request, a dealer handover and an active insurance policy are different milestones. Resolve learner or named-rider conditions before collecting the bike.

Open the first-ride checklist →

Useful protection, with real boundaries

Can protect a repair or replacement budget after an insured event
Separates your own bike loss from liability to others
Equipment options can address costs beyond the machine

Insuring a financed motorcycle

Check the cover your finance agreement requires and request a total-loss example. The bike’s insured value, deductions and remaining loan balance can differ. Ask whether any credit-shortfall option applies to your contract, including its exclusions; comprehensive motorcycle insurance alone does not establish that the whole debt will be paid.

Costs you may still carry

Acceptance depends on the exact rider and use
An excess and uncovered gear can leave a cash gap
Mechanical breakdown and ordinary maintenance are separate costs

Claims flow

After an incident, keep recovery and evidence together

Make the scene safe
Seek emergency assistance where needed. Do not continue riding a damaged bike merely to avoid towing.
Use the claim channel
Follow the insurer’s notification and approved recovery instructions. Record the claim reference and where the bike is stored.
Preserve the loss evidence
Keep photographs, incident details, theft reporting evidence where required, repair assessment and separately damaged gear.
Reconcile the decision
Request the settlement basis, excess deductions and any equipment limits in writing. Raise a complaint with the insurer if the calculation is unclear.

If the insurer’s final response does not resolve a complaint, check the National Financial Ombud’s current scope and submission requirements. AfriPolicyCover cannot approve or settle a claim.

Documents worth keeping ready

Accepted schedule and wording version
Registration, purchase and finance records
Named-rider and licence confirmation
Inspection and required security evidence
Gear receipts and accessory photographs
Claim reference, recovery authorisation and written settlement

Questions answered

Frequently asked questions

Can I compare motorcycle quotes here?

You can compare sourced policy records and keep up to three in a shortlist. AfriPolicyCover does not currently obtain a personalised price or submit a quote request.

Which motorcycle insurance is best or cheapest for me?

Start with accepted riding use, the losses you need covered and an excess you can afford. The reviewed sources do not establish a universal best insurer or comparable cheapest premium. Obtain quotes using identical rider, bike, use and cover assumptions, then compare the conditions alongside price.

Can a learner insure a motorcycle?

Some policies accept learners subject to conditions. King Price publishes learner eligibility with a passenger restriction. Confirm your specific licence and rider circumstances in writing.

Does private motorcycle insurance cover deliveries?

Do not assume it does. Paid collections and deliveries need explicit acceptance; a business-use option may still exclude them.

Are helmets and gloves automatically covered?

Check the gear benefit, item limits, covered event and excess. Cover for the motorcycle or attached accessories alone does not establish cover for worn equipment.

Will insurance settle all my motorcycle finance?

The settlement follows the accepted value basis and deductions. Ask about any remaining finance balance and the separate terms of optional credit-shortfall cover.

Official references

AfriPolicyCover Editorial reviewed the initial sample on 8 September 2026. Additional records and buying guidance were reviewed on 9 September 2026; each row carries its own source date. Listings are factual source summaries, not a complete-market ranking or a claim of partnership. Check the accepted wording and schedule for your own bike. Report a correction.

Keep the selected policy with your next step

Get quote & buy

Provider contact is coming soon

No personalised quote was requested, no personal details were collected or shared, and no insurer was contacted. Live quote and buying assistance opens only after provider verification and a disclosed commercial launch.

What does a normal week on your bike look like?

Compare 14 motorcycle insurance policy records

The machine. The claim. The equipment.

Run the same loss through each cover level

Six answers to get before paying

Put the agreement in writing

Describe the actual riding

Match rider and machine

Compare the loss and the cash gap

Check the final schedule

After an incident, keep recovery and evidence together

Make the scene safe

Use the claim channel

Preserve the loss evidence

Reconcile the decision

Documents worth keeping ready

Frequently asked questions

Official references

Keep the selected policy with your next step