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Comprehensive motorcycle insurance

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Compare comprehensive policies for complete bike coverage.

Comprehensive motorbike insurance offers coverage against a whole range of events including accidental damage, collision, fire, storm, theft and much more. Most comprehensive policies will cover any licensed rider on your bike or scooter, even if not listed on your policy.

Our top pick:

  • New bike replacement
  • Riding gear covered
  • Discounts up to 50%

Our top pick: Allstate motorcycle insurance

Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts. Policies come with first accident forgiveness, towing and labor included for Harley-Davidson Touring and Touring Sport bikes, guaranteed manufacturer replacement parts and totaled bike replacement.

  • Basics and upgrades for your motorcycle coverage
  • Protect yourself and your family with rider protection
  • Equipment & upgrades coverage option
  • Total your bike? Replace it with a new one
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What does comprehensive motorcycle insurance cover?

Comprehensive motorcycle insurance can cover you from a wide range of hazards, plus the cost of riding gear damaged in accidents, third party property damage and more. Comprehensive coverage will generally pay out for damage resulting from insurable events such as:

  • Collision or crash damage
  • Accidental damage
  • Theft or attempted theft
  • Vandalism
  • Storm, hail, flood, fire, earthquakes and more
  • Damage caused to third party property

Other insurable events include:

  • Damage to riding gear
  • Damage to trailers you may be towing
  • Damage caused by uninsured drivers
  • Personal property other than riding gear which was lost or damaged by an insurable event
  • Locks and keys
  • Emergency travel, accommodation and repair costs
  • Towing and storage costs

For example, you are generally able to claim for the loss of riding gear like helmets, whether it was damaged in an accident or stolen from a secure compartment.

What extras are available?

Some policy features may take the form of automatic inclusions, or optional extras. These may include:

  • Rental car coverage. Covers the cost of a rental car. Depending on the policy, this might be specifically in the event of theft, or if you are unable to ride your motorcycle as a result of any kind of insured damage or loss. This option will generally provide a rental car, not a motorcycle.
  • No deductible windshield or glass replacement. No deductible is payable for broken glass or windshield claims.
  • New replacement. If your relatively new motorcycle, usually eligible if purchased within the past two years, is written off or stolen and not recovered, you can get a new replacement of the same make and model, instead of simply being paid the value of it.
  • Agreed value. Some insurers and policies can let you insure your motorcycle at a set agreed value, which does not diminish over time, instead of the market value, which is subject to depreciation.
  • Uninsured or underinsured motorist. Additional coverage for damage caused to your vehicle by an uninsured or uninsured driver.

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What’s not covered by comprehensive motorcycle insurance?

It’s important to note that you are generally required to maintain your motorcycle in good, safe working condition. Make sure to stay on top of it as you may not be insured for accidents or damage that were caused by poor maintenance. Similarly, you need to take appropriate precautions such as securing belongings in a locked compartment in order for them to be covered.

In the event of something happening, you need to take all reasonable precautions to prevent further damage and make sure the vehicle is secure.

Common exclusions applied to policies include:

  • Losses that occur outside of your home country
  • Driving without a valid motorcycle license
  • Driving while under the influence of drugs or alcohol
  • Vehicle being used for illegal purposes or ride sharing (taxi, uber, etc)
  • Vehicle being used in races, rallies, trials or events like track days
  • Intentional damage to the motorcycle, or damage resulting from faulty repair attempts
  • Wear and tear, as well as rust or any kind of corrosion
  • Any loss of profits resulting from being unable to ride, such as if you can’t get to work

What else should I look out for in motorcycle insurance policies?

There are some particularly useful benefits to look out for.

  • Riding gear coverage. This includes coverage for road leathers, helmets and similar gear. Ensure that the limits of your coverage are high enough, and check whether it’s insured separately from other personal possessions that may be damaged or lost in an accident. Some policies might only offer this as an optional extra.
  • Roadside assistance. This can be an exceptionally helpful feature in the event of a breakdown or accident.
  • Coverage for additional passengers. It’s worth checking how any additional passengers are covered.
  • Other drivers. Whether people other than yourself are covered when riding your motorcycle.

What determines my premiums?

While you’ll only pay a deductible when you file claims, premiums are ongoing payments you need to maintain in order to retain your coverage. Your premiums are determined by factors such as:

  • The price of your bike. More valuable motorcycles cost more to insure. Similarly, it is often more expensive to insure a vehicle at agreed value rather than market value.
  • Your age and gender. Younger riders, and males in particular, are statistically more accident prone and will often have higher premiums.
  • The engine capacity. More powerful engines may be more likely to end up in accidents, and higher speeds mean accidents are often more severe. As such, more powerful engines will often carry higher premiums.
  • Additional modifications and features. Modifications and features can raise the cost of your bike, which in turn raises premiums. Learn more about modified car insurance.
  • How you store your bike. Keeping your motorcycle in a secure garage overnight will often get you lower premiums compared to parking it in the open.
  • Your chosen deductible. A higher deductible means lower premiums.
  • Your policy options. Adding additional options to your comprehensive motorcycle insurance will typically raise premiums.
  • Your location. Living in a high crime area, or an area with a statistically higher rate of vehicle accidents can raise your premiums.

What to think about when comparing policies

There are some specific things to look for in a policy. It’s a good idea to pay attention to:

  • The coverage and exclusions. These will typically be quite similar across comprehensive motorcycle insurance policies, but it’s worth checking to be sure. Be aware of missing or excluded coverage.
  • The limits. Maximum amounts only may be payable for certain things, like riding gear or the loss of personal belongings. It can be a good idea to make sure the limits are high enough for your needs.
  • Replacement, repair and reimbursement conditions. Insurers might agree to replace, repair or reimburse you for damage or loss in different situations. It’s worth being aware of these.
  • The options. If there are certain must-have features for you, like additional passenger coverage, it’s important to find a policy which includes it.

Bottom line

Getting comprehensive insurance for your motorcycle can help cover everything you’d need in the event of an accident. From riding gear to replacement bike, you’ll have less stress and could get back on the hog sooner. Compare your options to save on the comprehensive coverage you need for your bike.

Frequently asked questions

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Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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