At Harley-Davidson Insurance Services, we believe in the value of riding with friends and family. But we also know that, unfortunately, accidents happen. With Guest Passenger Liability, your passenger will receive coverage for bodily injuries sustained on your bike when the operator is at fault.
When an at-fault accident results in injury or death to others, Bodily Injury Liability coverage can help protect you. This coverage can pay for expenses such as:
If an at-fault accident causes damage to another person’s property, this Harley-Davidson Insurance coverage can help protect you.
You want to protect your motorcycle from damages not covered by collision, such as theft, fire, or vandalism. With Comprehensive coverage, you’ll be prepared for the unexpected.
Collision provides the extra coverage you might need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle.
We get it—not every motorcycle ride goes smoothly. Mechanical or electrical breakdowns can happen, and you’ll need help. You can get 24-hour towing and roadside service with Harley-Davidson Insurance Roadside Assistance coverage for the following situations:
At Harley-Davidson Insurance Services, we want to help you protect the investments you’ve made in modifying your bike. Our Optional Equipment coverage protects equipment on your bike that is not factory standard. Your bike's manufacturer defines equipment as standard by the Vehicle Identification Number (VIN).
Want to rent a bike just for the fun of it? Get the same level of coverage on a rental motorcycle from a licensed facility or dealer as you would on your own bike with our Vacation Rental coverage.
If your motorcycle is a total loss, you can get it replaced—and not at the depreciation value—with Replacement Cost coverage from Harley-Davidson.
If your motorcycle is a total loss—and your optional equipment also needs to be replaced—you’re covered for the replacement cost of that equipment with Optional Equipment Replacement Cost coverage.
Uninsured Motorist Bodily Injury coverage from Harley-Davidson Insurance helps pay for bodily injuries you suffer in an accident in which the owner or operator of an uninsured motor vehicle is at fault.
Underinsured Motorist Bodily Injury coverage may provide coverage for your bodily injury damages if you’re involved in an accident in which the at-fault operator carries insufficient insurance.
This coverage provides protection for your insured motorcycle when it’s damaged as a result of an accident in which an uninsured operator is at fault.
If you’re involved in an accident in which the at-fault operator doesn’t carry enough insurance to cover the damage to your motorcycle, our Underinsured Motorist Property Damage may provide additional coverage for damage to your motorcycle.
Is your motorcycle your only mode of transportation? How will you get around if it’s undriveable due to an accident? With Rental Reimbursement coverage from Harley-Davidson Insurance, we’ll pay for eligible transportation expenses in qualifying circumstances.
The coverage is in the name—if you’re in an accident, our Medical Expense coverage can help both you and your passenger with medical expenses.
Personal Injury Protection provides coverage for medical expenses, up to a specified limit, for the insured or any other eligible person as the result of an accident—regardless of who was at fault. This usually includes coverage for non-medical expenses, such as wage loss and death benefits. Coverage availability is limited in some states. Your options will be explained during the quote process.
The primary feature of a full-coverage motorcycle insurance policy is the inclusion of collision and comprehensive insurance. These policies also have all of the coverages required by your respective state which may include:
The cost of a motorcycle insurance policy will depend on a variety of factors which include:
To properly compare motorcycle policy coverage side by side, the most important variables to ensure are the same include: deductibles, coverage limits, and any optional coverages.
Generally, a higher deductible can translate to a lower premium.
Similarly, the lower the limit chosen for certain coverages, the lower the policy premium.
It depends. If you are riding a rental, parts or all of your motorcycle insurance coverage may apply. If, however, you are riding a bike you own or regularly use that is not included in your policy, your insurance coverage might not apply. As a result, it is best to check your policy contract for specific details.
When getting your motorcycle insurance quote, you can specify the desired effective date for your policy.
Previously insured? Avoid a lapse in coverage by ensuring your previous policy’s end date is on or after your new policy coverage’s start date.
*Coverages and requirements vary by state. See your policy for complete coverage details.