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Motorbike insurance

5-star cover for your 2-wheeled wonder... And your quad-bike

In a nutshell

Place your motorbike in the king’s safe hands. We’ve got you covered for the agreed value of not only your motorbike but also its parts and attached accessories. So, if you’ve got a superbike, naked superbike, muscle bike, touring bike, super touring bike, dual sport bike, motard, cruiser, custom bike, classic bike, scooter, hyper scooter, 3-wheeler, or sidecar, the king’s got you covered.

What we mean by ‘motorbike’

A Namibian-registered motorbike or quad-bike that you’ve insured with us, as stated on your policy schedule, including all its parts and attached accessories. It does NOT include motorbikes used for emergency services (including traffic control and armed response), law enforcement, towing, taxi purposes or the transport of fare-paying passengers, and deliveries.

The king’s motorbike insurance isn’t available for full off-road bikes, trail bikes, pit bikes, buggies and side-by-sides or hyper superbikes.

You can choose the cover you want

Comprehensive motorbike insurance

Comprehensive cover is a royally superior deal (fit for a king or queen). You’re covered for accident damage, theft and hi-jacking (and attempted theft or hi-jacking). It also covers damage that you accidentally cause to other parties and/or their property as a result of a motorbike accident. The king’s also got your back when it comes to some accidental damage at track school… And we’ll come to your aid if you get stuck at the side of the road or have an accident.

Rest easy… The king’s comprehensive cover also includes:

  • Hail damage.
  • Business use (but not if you’re doing deliveries, sorry).
  • Damage that happens while your motorbike is being on- or off-loaded, or is being transported.

Third party and theft motorbike insurance

We cover you for theft and hi-jacking (and attempted theft or hi-jacking), as well as for liability for injury to other people and damage to their property as a result of a motorbike accident. Here, you’re not covered for accidental damage to your own motorbike.

Third party only motorbike insurance

The king understands that some cover is way better than no cover at all. With third party only cover, we’ve got you covered is you cause injury to other people or damage to their property as a result of a motorbike accident.

Theft only motorbike insurance

Again, some cover is way better than no cover at all. With this option you’re covered for the loss of your motorbike due to theft or hi-jacking (and attempted theft or hi-jacking).

Optional insurance cover

Shortfall cover

If your comprehensively insured motorbike is financed by a financial institution (like a bank) at the time of it being written-off, stolen or hi-jacked, then shortfall cover pays any amount you may still owe the financer after we’ve paid out the agreed value that’s stated on your policy schedule. Shortfall cover comes at a small additional premium but gives enormous peace of mind!

Car hire

The king knows that you need wheels to get around. If you have a valid driver’s licence for a car, the king’s car hire ensures 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. Let us know and we can state this on your policy schedule and include it in your agreed value.

N$1 insurance for motorbike gear

You can link your comprehensive motorbike cover to N$1 insurance for the named rider’s gear, like the helmet, leathers, gloves, boots and neck brace. Yup, you’ll pay just N$1 monthly to cover your gear against accidental damage! Let us know and we can state this on your policy schedule and include it in your agreed value.

Just to be clear

’Named rider’ and ‘agreed value’ are terms that you might not have come across before.

Named rider

When your motorbike is insured with King Price, only the named rider stated on your policy schedule is covered in the event of a claim. This means that there won’t be cover if any 1 else rides your motorbike. Not your spouse or son, your mate visiting from Oz, your neighbour… Only the rider whose name is on your policy schedule.

Agreed value

The agreed value, as stated on your 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. If the condition of the motorbike at the time of the claim is worse than at the time of the valuation, the payout may be less than the agreed value that’s stated on your policy schedule.