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What You May Not Know About Motorcycle Insurance

April 22, 2024

Like car insurance, motorcycle insurance includes mandatory liability coverage, which helps pay for medical bills and property damage if you're at fault in an accident.

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Here what you need to know about motorcycle insurance:

1. Seasonal coverage: Some insurance companies offer seasonal motorcycle insurance policies, which allow riders to only pay for coverage during the months they use their motorcycles.
2. Discounts for safety courses: Completing a motorcycle safety course can sometimes qualify you for an insurance discount.
3. Customizations: If you've made customizations, such as adding custom parts or performance upgrades, you may need additional coverage to protect these investments. Standard policies may not fully cover custom parts and equipment.
4. Accessories: Motorcycle insurance can also cover helmets, riding gear, and saddlebags if they are damaged in an accident or stolen.
5. Lay-Up Policies: Some insurers offer lay-up policies for motorcycles that are not used during the winter months. These policies provide comprehensive coverage while the motorcycle is in storage.

Did you know? On average, motorcycles are about twice as fuel efficient as cars.

Do you own a motorcycle dealership or repair shop?

Wyatt Dowling business insurance experts can help with your business insurance needs.

Here are some fun facts about motorcycles:

1. Before gasoline-powered engines were common, motorcycles had steam engines in the 19th century. Steam motorcycles were heavy and had limited range, leading to the dominance of gasoline-powered engines.
2. Harley-Davidson used to make bicycles: Before focusing solely on motorcycles, Harley-Davidson produced bicycles from 1917 to 1921. These bicycles were built to be durable and featured some of the same design elements found in their motorcycles.
3. The fastest motorcycle is a turbine-powered: The Dodge Tomahawk, powered by a 500-horsepower, 8.3-liter V10 engine, holds the record for the fastest motorcycle.
4. While most motorcycles have two wheels, there are exceptions. Some motorcycles, known as trikes, have three wheels, with two in the front and one in the back or vice versa.

Is it difficult to ride a motorcycle?

Using the clutch is one of the most difficult aspects of learning to ride a motorcycle, especially if you have never driven a vehicle with a manual transmission.

What motorcycle is most likely to be stolen?

The most commonly stolen motorcycle brand is Honda, accounting for around 40% of all reported motorcycle thefts.

Brands like Honda, Yamaha, Suzuki, and Kawasaki have been among the most stolen motorcycles due to their widespread availability and desirable parts. Harley-Davidson motorcycles are also often targeted by thieves, given their popularity and high resale value.

To protect your motorcycle from theft, consider using anti-theft devices such as locks, alarms, and tracking systems. Parking in well-lit and secure areas can also help deter thieves. Comprehensive motorcycle insurance can provide financial protection in case your motorcycle is stolen.