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Temporary motorcycle insurance
Cut down on your policy’s term length without cutting the coverage you need.
A temporary policy allows you to buy coverage for as short as one day up to several months, depending on your needs. However, brief terms could mean paying more per month for insurance if you need coverage for several months, so make sure it’s the right fit for you.
When do I need temporary motorcycle insurance?
Temporary insurance works well for riders who travel, but you might have other reasons for needing a short-lived policy. Reasons to get temporary bike insurance:
- Renting a motorcycle. You might need minimum liability or supplemental coverage if your provider doesn’t cover your rental bike.
- Traveling abroad. Getting insurance at your destination can vary by country, and you may need proof of insurance to get through customs. So do your research ahead of time.
- Riding a friend’s bike. Understand if and when your friend’s insurance covers you, so you can get extra protection if needed.
Where can I find temporary motorcycle insurance?
Temporary motorcycle policies are hard to find unless you’re renting from a motorcycle rental company. To get coverage, look in these places:
- The motorcycle rental company. The rental company should offer some blanket coverage as well as optional insurance packages that apply for the duration of your rental.
- An insurance broker. To find a separate temporary insurance policy, your best bet is to work with a broker. Brokers work with multiple insurers and can help you find the policy that fits your situation.
- Standard motorcycle insurer. You can buy from a standard motorcycle insurer and either go for a six-month policy or cancel when you no longer need the coverage. But look up the company’s cancellation policy and early cancellation fees.
How to buy temporary motorcycle insurance
Many riders look for temporary insurance for vacation riding or borrowing a friend’s bike. Follow a few steps to get your short-term policy:
- Compare providers. Look at the coverage, benefits and cost that each temporary policy offers. Consider quotes from multiple providers.
- Choose coverage. Finalize the temporary coverage you need, such as liability-only, supplemental liability or collision coverage. You’ll also need to choose a deductible that you’re comfortable paying before your policy kicks in.
- Set your start and end dates. Enter the dates you need coverage for or set up automatic renewals to avoid a lapse if you need extended coverage.
- Pay your security deposit. If you’re renting a motorcycle, the rental company probably will want a deposit to cover any damage.
- Finalize details. Complete your application with personal information and bike details to start your policy.
Compare temporary motorcycle insurance policies
What temporary motorcycle insurance coverage can I get?
Short terms and flexibility are the gist of temporary insurance, but you can opt for specific types of temporary policies that include:
- Storage insurance. Get comprehensive coverage for your bike, which includes theft, weather and accidental damage protection while it’s in the garage.
- Seasonal policies. Also known as lay-up insurance, a seasonal policy gives you wider coverage during riding season and reduces to comprehensive coverage only during the offseason.
- Vacation rental coverage. You could call your current car or motorcycle insurance agent and ask about add-on coverage for vacation rentals or international coverage.
- Nonowner motorcycle policy. This typically offers only liability coverage and kicks in when the owner’s policy won’t cover damage. You also may need to cancel early when you’re done borrowing the bike.
- International insurance. Standard policies don’t typically cover a road trip to Mexico, Canada or other countries. Call your insurer or a broker to talk about your options while riding abroad.
What should I watch out for?
You’ll want to be aware of a few nuances when getting this policy:
- Lapsed coverage. When you’re riding for fun or using a temporary policy to bridge a gap in insurance, it’s easy to forget when that coverage ends. You could set up automatic renewals to avoid that problem. Otherwise, you’ll get dinged with higher premiums when you try to get a long-term policy down the road.
- Age requirements. Some providers have a minimum age for buying a temporary policy, such as 21, to ensure less-risky riding.
- Paying more than necessary. Temporary coverage may cost more per day than an annual policy. You might look at other options for your situation to avoid paying a higher premium.
- Cancellation fees. You could be charged for canceling your term early. For example, vacation rentals might have a fee for canceling less than 24 hours before your reservation time starts.
- Forgetting proof of insurance. Keep proof of your coverage on hand anytime that you’re riding a bike, especially in unfamiliar territory.
Sometimes, a typical motorcycle insurance policy doesn’t meet your short-term coverage needs, whether you’re covering a rental or taking your own bike abroad. When that happens, you can look for temporary bike insurers with the best coverage, cost and benefits.
Frequently asked questions about temporary motorcycle insurance
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