Types of Motorbike Insurance for Every Rider

There are several types of motorbike insurance to choose from, each with its own unique benefits and requirements.

Comprehensive insurance is the most expensive option, but it provides the most coverage, including damage to your bike, theft, and liability for injuries or damage to others.

For riders on a budget, third-party insurance is a more affordable option that covers damage to others and their property, but not your bike.

Third-party fire and theft insurance combines the coverage of third-party insurance with protection against theft and fire damage to your bike.

If this caught your attention, see: Fire Insurance

There are several types of motorbikes, including cruisers, sports bikes, and adventure bikes. These categories can affect the type of insurance you need.

Cruisers, like the Harley-Davidson, are designed for comfort and style. They typically have a low seat height and a large engine.

Sports bikes, such as the Yamaha R6, are built for speed and agility. They usually have a higher seat height and a smaller engine.

Adventure bikes, like the BMW R 1250 GS, are designed for long-distance travel and off-road riding. They often have a higher ground clearance and a more robust engine.

Scooters are a great option for those who want a fun and affordable way to get around, with engines ranging from 50cc to 500cc for regular street use.

If you plan on using your scooter on the road, insurance is required, but it's still valuable to have even if you don't plan on using it as daily transportation.

Scooter insurance can provide financial protection in case of accidents or theft, giving you peace of mind and protecting your investment.

Insurance requirements vary depending on the location and type of scooter, so be sure to check the laws in your area before hitting the road.

A 500cc scooter engine is a significant upgrade from a 50cc engine, offering more power and speed for those who want a thrilling ride.

Dirt bikes are a thrill to ride, but they're not street legal in most states. That doesn't mean you shouldn't have insurance for them, though.

Dirt bike insurance is a must for owners, offering comprehensive and collision coverage to protect your vehicle in case of accidents. It also covers personal property, bodily injury, and medical payments.

As a dirt bike owner, you know how important it is to have the right coverage in case of an accident or theft. With dirt bike insurance, you can rest assured that you're protected.

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Sport bikes are a joy to ride, and can be good for beginners or experienced riders. They often feature high-performance capabilities that make them a thrill to ride.

Different features, such as whether or not your bike has an anti-lock brake system, can affect your policy, so speak to an agent about sport bike insurance today.

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Trikes and motorcycles have their own unique insurance requirements.

Trikes, whether converted or factory built, may need additional custom equipment coverage to insure after-market modifications. This is a crucial consideration for owners.

Auto cycles, on the other hand, are treated differently from state to state. In some places, they're insured as motorcycles, while in others, especially enclosed ones, they're insured as cars.

Here's a breakdown of how auto cycles are treated in different states:

Insurance coverage is a crucial aspect of motorbike insurance. Liability coverage helps pay for damages you cause to other vehicles or property, injuries to other drivers and passengers, and for lawsuits if you're sued due to a covered accident.

There are several types of insurance coverage options available, including collision, comprehensive, and medical payments (MedPay) coverage. Collision coverage pays out for damage to your motorcycle, minus your deductible amount. Comprehensive coverage pays out if your motorcycle is stolen or damaged by something other than a collision with another vehicle.

Some insurance companies also offer personal injury protection (PIP), which pays out for medical bills for injuries you, your passenger, or pedestrians suffer in an accident, regardless of who's at fault. However, some states may not allow insurance companies to sell PIP to motorcyclists.

A different take: Is Comprehensive Insurance Worth It

Here are some additional coverage options you might want to consider:

If you're a vintage vehicle enthusiast, you'll be happy to know that we offer classic motorcycle insurance that covers kit and vintage bikes up to $30,000.

Our classic motorcycle insurance is a great option for those who want to protect their investment. We've got a robust selection of classic car coverages that can be applied to motorcycles as well.

Whether you're restoring a vintage bike or simply want to ensure its value is protected, our insurance policy has got you covered.

Take a look at this: Agreed Value Motorcycle Insurance

Comprehensive coverage helps offer protection against motorcycle theft and damage from fire, floods, vandalism and more. This type of coverage can be a lifesaver if you're involved in an accident or your bike is stolen.

Comprehensive coverage typically includes protection against damage from animals, such as deer collisions. A deductible applies to comprehensive claims. For example, if your bike is damaged by a deer, you'll need to pay your deductible before the insurance company pays out.

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You can expect comprehensive coverage to pay out for damages such as fire, floods, vandalism, and theft. Some insurance companies may offer additional coverage for custom parts and accessories, but this is usually subject to a specific limit, such as $3,000.

If you've customized your bike with expensive parts, you may want to consider additional accessories coverage, which can be purchased up to $30,000. This can provide peace of mind and financial protection in case your bike is damaged or stolen.

Here are some examples of what comprehensive coverage might pay out for:

Trip interruption coverage is a lifesaver if you break down on a long trip. If you're more than 50 miles from home and your motorcycle is unrideable, this coverage can help pay for food, lodging, and transportation.

You'll want to consider this coverage if you plan to ride far from home. It's especially useful if you're not familiar with the area and need help getting back on the road.

If you're unable to ride your motorcycle, trip interruption coverage can help you get back to your starting point. This can be a huge relief if you're in an unfamiliar area with limited resources.

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