Motorcycle Green Slip NSW: Insurers, Pricing and Rules

Yes, you need a Green Slip for a motorcycle in NSW. SIRA says you must buy a compulsory third party (CTP) insurance policy, commonly known as a Green Slip, before you can register any vehicle in the state. The cover is set by the Motor Accident Injuries Act 2017 and is identical at all six licensed insurers, so you compare them on price, claims service and any extras.

This guide covers who sells motorcycle Green Slips, what sets the price, the registration terms and discounts that apply to bikes, what the cover pays if you crash, and how motorcycle CTP works in the other states.

Who sells motorcycle Green Slips

SIRA licenses six insurers to issue Green Slips: AAMI, Allianz, GIO, NRMA, QBE and Youi (list updated 13 April 2026). AAMI’s and NRMA’s Green Slip pages both say they cover motorcycles; check with the others that they will quote for your bike.

SIRA’s advice applies to bikes as much as cars: buy from a licensed insurer or its authorised representative, so nobody submits inaccurate details on your behalf. For each insurer’s phone number and its record on claims, see how to compare Green Slips in NSW.

What sets the price of a motorcycle Green Slip

NSW Green Slips are priced partly on you, and SIRA’s explanation of how prices are set applies to motorcycles too. Each insurer starts from a base cost that has to cover future claims and its running costs, then adjusts your price for rating factors including the rider’s age, driving history, demerit points and claims history. Insurers may also consider the vehicle’s age, where it is parked, whether you hold comprehensive insurance and their overall risk in the scheme.

Insurers weigh those factors differently, so the cheapest insurer for one rider may not be the cheapest for another. Every price also includes GST and SIRA’s Fund Levy, which pays for crash victims’ initial ambulance and hospital costs and the lifetime care of the most seriously injured. The levy averaged $190.60 per policy across all NSW vehicles from 15 January 2026, and changing insurer does not change it.

Whether a bike’s Green Slip costs more than a car’s depends on the bike, the rider and the insurer, so compare your own quotes. For the general case, our guide to the cheapest Green Slip in NSW covers what you can and cannot change.

Getting quotes for a motorcycle

Service NSW says SIRA’s Green Slip Price Check compares quotes from all insurers for the most common vehicle types. If it does not give you a quote for your bike, ask the insurers directly: SIRA says insurers offer Green Slip quotes online or over the phone. Either way, have these ready:

• the bike’s number plate or VIN, or its year, make and model
• your driver licence or registration billing number
• the youngest rider’s age
• any driving offence in the past 3 years and 4 months that added demerit points, even if the points have since been removed.

Give accurate details. SIRA warns that wrong information can lead to an adjustment charge, cancelled registration, reinstatement fees and penalties.

Six or twelve months, and no three-month option

Service NSW says a 6-month registration term is available for most light vehicles up to 4.5 tonnes, including motorcycles, and your Green Slip has to match the term you choose. Three-month terms are only for trailers and heavy vehicles over 4.5 tonnes. If you renew for 6 months, the Green Slip must be paid and the registration renewed no later than 21 days after it expires. Our guide to Green Slips and rego sets out the order of steps.

Discounts and concessions for riders

Two government concessions apply to registration, not to the Green Slip:

• The 2026-27 registration discount. Transport for NSW says that from 1 September 2026 to 31 August 2027 it is applying a one-off discount of $80 on the annual registration of privately registered motorcycles ($100 for privately registered light motor vehicles).
• Pensioner registration. NSW residents with a current Pensioner Concession Card, or a DVA Gold Card endorsed TPI, EDA or War Widow, get free registration for one vehicle. Transport for NSW says you still need to buy CTP insurance.

What a motorcycle Green Slip covers if you crash

SIRA says the cover extends to the driver and all third parties involved, including other drivers, pedestrians, passengers, cyclists and motorcyclists, regardless of fault, unless you are charged with a serious driving offence. On a bike, that includes the rider and a pillion passenger.

If you caused the crash, you can still claim up to 52 weeks of benefits for treatment, income support and care. Riders who were not mostly at fault and have a more serious injury can receive benefits for longer and may claim a lump sum. NRMA’s Driver Protection Cover, the extra at-fault cover it includes with car Green Slips, does not apply to motorcycles.

A Green Slip never pays for damage. SIRA says it does not cover the cost of repairing or replacing your vehicle or other property, so damage to your bike, or to the car you hit, needs separate motorcycle insurance. For how claims work, see CTP claims by state.

Refunds when you sell or write off a bike

The refund rules are the same as for cars. If the bike becomes unregistered because an insurer wrote it off, it went to a wrecker or it was stolen, you can apply to your CTP insurer for a partial refund of the unused Green Slip once the registration is cancelled. If you sell a registered bike, there is no refund: SIRA says the cover passes to the buyer, so factor it into the sale price.

Motorcycle CTP in other states and territories

Every state requires injury cover for a registered motorcycle, but only in Queensland, South Australia and the ACT do you choose the insurer, as in NSW. For the full rules in each state, see how CTP works in every state.

State	Scheme	How motorcycle cover is priced
Queensland	CTP paid with registration; you choose one of three licensed insurers	Community-rated by vehicle class: class 12 is a motorcycle with seating only for the rider, class 13 has a pillion seat or a sidecar
Victoria	The TAC charge, part of registration	Set by engine capacity and the risk zone of your postcode. Bikes of 126cc or more also pay a Motorcycle Safety Levy, once per owner
South Australia	CTP paid with registration; you choose one of five approved insurers	Community-rated premium classes by motorcycle size, with separate rates for the two insurance districts
Western Australia	Motor Injury Insurance, paid with your vehicle licence	A set motorcycle class in the published premiums
Tasmania	The MAIB premium, paid with registration	Four classes by engine capacity, or power output for electric bikes: small, medium, medium-large and large
ACT	MAI insurance with registration; you choose one of four licensed insurers	Community-rated. The MAI Commission says motorcycle premiums are kept affordable through a subsidy from other vehicle classes
Northern Territory	The MAC Scheme, funded through registration	The MAC contribution in registration fees varies with engine capacity

Sources: MAIC (vehicle classes, updated 15 May 2026), TAC, the SA CTP Insurance Regulator, WA’s Department of Transport and Major Infrastructure (updated 27 July 2026), the MAIB premium schedule from 1 December 2025, the ACT MAI Commission and the NT Government’s registration fees from 1 July 2026. All read 2 October 2026.