Specialised Motorcycle Insurance ...

We are the originators of the extreme risk brands - BikeSure, ScooterSure & HarleySure.

For us insurance is about YOU and YOUR BIKE! With instant cover and the best premiums guaranteed, now you can always get what you want...

Track Day Insurance comes standard with our policies. Currently we have SA's most innovative policy to Cover Your Motorcycle On Track Days.

Yamaha YZF R1 Insurance Bikesure Motorcycle Insurance
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STANDARD Policies Include...

Specifically designed for motorcycles, quads and scooters, these policies offer you a choice of related cover with lower premiums and higher excess. Our standard cover includes...

  • Premium Discounts for Riders Over 40
  • Claims Within 30 Days of Joining
  • Cover for First-Time Buyers
  • Bank Financing Arranged
  • Comprehensive Cover
  • Customisable Cover
  • Top-Up Cover
  • Track-Day Insurance
  • All-Risk Cover
  • Short-Term Insurance
  • Roadside Assistance


Several factors influence premiums. Knowing these factors can help you lower your insurance costs. Click here for more.

NB! ADD ON EXTRAS WITH BIKEPLUS...Insure Yourself and Your Assets...

  • Rider Gear
  • Scratch Away
  • Tyre & Rim
  • Bikeplus
  • Bike Warranty
  • Income Protection
  • Basic Excess Waiver
  • Hospital Cover
  • Accidental Death
  • Credit Life cover


To add any of the above options to your policy! Call 021 461 3980 for tailored insurance cover.

Policy Wording Download

This document sets out the policy terms and conditions. They include your rights and duties, our rights and duties, how to claim, and events and items that we do not cover.

Policy Limits and Excesses

BikeSure is underwritten by Renasa, refer to the Motorcycle section for the excess structure of our policies.

Harnacks Underwrites Brokers Too!

Seal the deal by offering your client the most specialised quad, scooter & motorcycle insurance in South Africa.

Who Underwrites Harnacks?

Steeped in heritage, Harnacks Insurance was established by Herman Harnack in 1965. We are supported by all major finance houses and utilise the underwriting facilities of 13 insurers and underwriters.

Harnacks can offer independent comprehensive high risk insurance on both quads and motorcycles without insisting on other supporting insurance companies.

We are also known as an Extreme Risk Insurer with considerable experience in Watercraft, High Value & Sport Vehicles, Helicopters and Aeroplanes in addition to the insurance of bikes and quads.

Are you a Motorcycle Dealership?

Our premiums assist you, the dealer, in making the sale. Instant comprehensive cover is given to your dealership in respect of:

  • Motorcycles (BikeSure)
  • Scooters (ScooterSure)

As Optional Benefits We Can Provide:

  • Your own brand of insurance for motorcycles.
  • A dedicated staff member who'll liase with your dealership.


Currently we rate, small businesses, large businesses, manufacturers, exporters & retailers as valued Harnacks clients. For example...

  • Honda Mekor
  • Honda Helderberg
  • FNB Cape Town

Code of Conduct

Harnacks subscribes to the Financial Intelligence Act (FICA) and to the Financial Services Boards provisions (FAIS)

Visit our website for an online-quote or learn more about the most flexible brand of motorcycle Insurance in South Africa.

  • Physical Address
    37 Buitenkant Street
    Cape Town
  • Telephone
    021 461 3980
  • Email
  • Cell - Mark on 079 491 8537 Homepage | About Us | Contact Us | Contact a Motorcycle Dealership | Site Map | Links | FAQ

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