Motorcycle insurance provides coverage that may not be available in conventional auto policies, especially when it comes to insuring high-class imports, sport bikes, custom cruisers, trikes, and full-restored classics. If you own a motorcycle, you’ll need a policy that provides the following coverages: collision, other than collision, liability, medical payments, safety apparel, and optional equipment. Extra coverage options include those relating to liability, uninsured/underinsured motorist, and transport trailers.
A good policy will provide replacement cost for the motorcycle in the event of a covered loss, as well as additional coverage for optional equipment, liabilities, and medical payments. You may also want to increase the limits on liability and uninsured/underinsured motorist coverage. As always, the policy should provide year-round coverage with no lay-up period and should offer premium discounts. Contact us to learn more about your motorcycle insurance options.
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