What does comprehensive motorcycle insurance cover?
Comprehensive motorcycle insurance can cover you from a wide range of hazards — sometimes even the cost of riding gear damaged in accidents. In general, comprehensive will cover you for damage resulting from insurable events other than collision, such as:
Theft or attempted theft
Storm, hail, flood, fire, earthquakes and more
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
Is comprehensive the same as third-party fire and theft?
Comprehensive and third-party fire and theft are similar, but comprehensive will protect you from a wider range of events. Included in comprehensive coverage is damage from vandalism and all types of storms, as well as fire and theft. You don’t need take out any other coverages to be protected from fire or theft if you have comprehensive.
What extras are available?
Some policy features may take the form of automatic inclusions, or optional extras. These may include:
Riding gear coverage. 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.
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’re unable to ride your motorcycle as a result 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.
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 underinsured driver.
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What’s not covered by comprehensive motorcycle insurance?
You’re generally required to maintain your motorcycle in good, safe working condition. You may not be insured for accidents or damage that were caused by poor maintenance. You’ll also need to secure belongings in a locked compartment in order for them to be covered.
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 ridesharing
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, like if you can’t get to work
How to compare comprehensive motorcycle policies
Consider what’s included with your policy by keeping an eye out for these features:
Coverage and exclusions. These will typically be similar across comprehensive motorcycle insurance policies, but it’s worth checking to be sure.
Exclusions. Be aware of missing or excluded coverage.
Maximum limits. Maximum amounts may only be payable for certain things, like riding gear or the loss of personal belongings. Make sure the limits are high enough for your needs.
Replacement, repair and reimbursement. Insurers might agree to replace, repair or reimburse you for damage or loss in different situations.
Extra features. Look for policies with must-have features for you, like additional passenger coverage or coverage for other drivers on your bike.
What determines my premiums?
While you’ll only pay a deductible when you file claims, premiums are ongoing payments that 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’s often more expensive to insure a vehicle at agreed value rather than market value.
Your age and gender. Younger riders — males in particular — are statistically more accident prone and will often have higher premiums.
The engine capacity. Powerful engines may be more likely to end up in accidents. And higher speeds mean accidents are often more severe. Consequently, more powerful engines will often carry higher premiums.
Additional modifications and features. Modifications and features can raise the cost of your bike, which 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.
Getting comprehensive insurance for your motorcycle can help cover damages that result from events other than a collision. From riding gear to a replacement bike, you’ll have less stress and could get back on the road sooner.
Andrew Munro is the cryptocurrency editor at Finder. He was initially writing about insurance, when he accidentally fell in love with digital currency and distributed ledger technology (aka “the blockchain”). Andrew has a Bachelor of Arts from the University of New South Wales, and has written guides about everything from industrial pigments to cosmetic surgery.
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