Matthew Stafford -- I'm BANNED From Riding Motorcycles

Matthew Stafford is NO Ben Roethlisberger ... but in a good way ... because the Detroit Lions quarterback says his team has taken steps to ensure he'll NEVER get in a motorcycle crash.

Stafford was at LAX yesterday ... when we asked if the team banned him from participating in certain risky activities when he signed his $41.7 MILLION contract back in 2009.

The QB replied, "Riding motorcycles, sky-diving ... I don't know what else."

We're guessing the no motorcycles clause was added to just about every big contract after 2006 ... when Roethlisberger nearly died after crashing his bike in Pittsburgh ... while not wearing a helmet.

Bonus clip -- We also asked Matthew about the first MAJOR purchase he made after signing his humongous contract ... and the answer is pretty great.