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5 Common Misunderstandings about Motorcycle Insurance Coverage

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 | May 19, 2015

There are some misunderstandings about almost every insurance policy, but motorcycle insurance tends to be even more confusing. Whether you just got your first bike or you have been riding for years, it’s important to make sure you are covered.

The right motorcycle insurance for you and your bike may be different than someone else’s insurance needs. The best thing to do is talk to an agent directly about your coverage options in order to get a really clear sense of your coverage needs. In the meantime, take a look at some common misunderstandings about your motorcycle insurance and the truth behind them.

  1. You don’t really need it.

The same way you need car insurance, you need motorcycle insurance. Accidents happen and may be even more likely to happen to motorcyclists. Given this information, why wouldn’t you want to be covered?

  1. You only need it during the part of the year you ride.

There’s no denying you need motorcycle insurance when you are riding your motorcycle in case of an accident. You also need motorcycle insurance when you aren’t riding for things like theft, damage, etc.

  1. My motorcycle can’t cause that much damage so I don’t need a lot of coverage.

A multi-vehicle accident involving a motorcycle is just one example of an accident that could cause serious damage and cost a lot of money.

  1. There are no discounts for motorcycle insurance.

Motorcycle riders may be eligible for a discount if they are a mature rider, have taken safety courses, have more than one policy with their insurance carrier, and more!

  1. All of your equipment and accessories will be covered.

If you have made additions and upgrades to your motorcycle, you will want to talk to your agent. In some cases, they may recommend adding more coverage. When it comes to your contents, a motorcycle policy does not typically have coverage for your personal contents. Instead, you will want to make sure you have enough coverage with your home insurance or talk to your agent about some options that may be available through your motorcycle coverage.


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