Motorcycle Insurance

Our motorcycle insurance policy helps protect you and your motorbike. Indeed, most states necessitate bikers to have a minimum insurance cover to drive legally on the roads. 

Insurance for your motorcycle helps protect you and your motorbike. Indeed, most states necessitate bikers to have a minimum insurance cover to drive legally on the roads. A motorcycle insurance policy might contain the following:

Property Damage Liability Coverage

It caters to the damage caused to another individual’s property if you are at fault. For example, it can pay for repairs if you cause damage to a private residence, storefronts, other motorists, or structures. It doesn’t reimburse your bike’s repairs.

Bodily Injury Liability Coverage

If you are at fault, this covers things like lost wages and medical expenses originating from an injury or death of another driver. Depending on your state, the liability may also extend to the passengers on your motorbike.

Personal Injury Protection

It can help pay for your lost income, medical expenses, child care, funeral costs, and a lot more if you are injured in an accident.

Medical Payments Coverage

It covers necessary and reasonable medical expenses, such as X-rays and ambulance rides from a motorbike accident.

Comprehensive Coverage

It caters for damages to the motorbike not caused by a crash with another car or objects, such as vandalism, theft, wind, and flooding. The cover caters to the repairs up to the bike’s actual cash value. Also, you have a chance to select your deductible.

Collision Insurance

It caters to motorbike damage originating from a collision with another object, including a motorbike, vehicle, building, or tree. This coverage allows you to select your deductible. You can also get towing and labor, rental reimbursement, lease/loan gap, and added equipment coverages.

If you are in a severe or fatal accident, there are high chances you will require assistance irrespective of who is at fault. It is the main reason why motorcycle insurance is indispensable. It can offer dismemberment and death coverage benefits to you or your family.

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Liability Coverage

Risk Factor

When you are in an accident whether it is a no-fault or your fault, the expenses for medical or physical damages can be in the thousands. 


Your liability coverage for your motorcycle will give you peace of mind should the unexpected happen and you need to cover hospital expenses or repairs for property damage. 

Theft and Loss

Risk Factor

A motorcycle is an investment like an automobile. The cost to replace can be substantial without adequate coverage. 


When setting up your motorcycle policy, be sure to speak with your agent about the coverage levels available to you. Remember to check that you are covered for both theft and total loss before heading out on the road. 

Uninsured / Underinsured Motorist Coverage

Risk Factor

In the event that the motorist who hit you does not have enough liability insurance, you may be left exposed. What if they leave the scene altogether? The number of times this happens is much  higher than you might expect.  Having a motorcycle collision with another driver who doesn't have any insurance or who is underinsured can be very costly. You could be left to pay all of the out-of-pocket expenses for damages and medical expenses not covered by the other motorist.


If you are injured or lose your income because of an uninsured/underinsured driver or a hit-and-run motorist, an insolvent motorcycle insurance company, or an insufficient coverage amount, you may be covered for damages.

Comprehensive Coverage

Risk Factor

Motorcycles can be relatively expensive investments and susceptible to weather-related losses, theft, and other unexpected situations.


In addition to physical damage coverage, comprehensive coverage can cover your motorcycle in case of theft, dismemberment, or damage caused by something other than a collision, such as hitting another object or vehicle. If your motorcycle is fully paid off, you can choose to have this additional policy coverage, but if you want to ensure that your motorcycle is fully protected, you should consider it.

Optional Coverages

Risk Factor

Chances are that you have added additional options to your motorcycle such as GPS or aftermarket exhaust and these might not be covered by your standard policy. 

You may also want to ensure that you have coverage for roadside assistance because being stranded on the side of the road isn't ideal or safe. 


Policies that extend coverage for additional upgrades or provide assistance when you have an accident and need to be towed can prove to be time and money savers down the line. 

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