Motorcycles insurance
Motorcycle insurance, explained coverage by coverage.
Hover over any spot on the picture to see what it covers.
Motorcycle policies mirror auto coverage but with extras built for riders — your bike, your gear, and your passengers each have their own protection. Here's how it breaks down.
Liability (incl. guest passenger)
Pays for injuries and property damage you cause while riding — including injuries to a passenger on your bike.
Example: You clip a car changing lanes and your passenger is hurt. Liability pays the car's damage and your passenger's bills.
Collision
Pays to repair or replace your bike after a crash, regardless of fault.
Example: Gravel on a curve drops the bike at 40 mph. Collision pays for the fairings and forks.
Comprehensive
Covers theft, vandalism, weather, and animal strikes — motorcycles are stolen far more often than cars, so this one matters.
Example: Your bike disappears from outside a restaurant overnight. Comprehensive pays to replace it.
Medical payments
Covers medical bills for you and your passenger after a crash, regardless of who was at fault.
Example: A low-speed spill sends you to urgent care. Medical payments covers the visit.
Accessory & gear coverage
Covers your helmet, riding jacket, gloves, and custom parts and chrome — things a standard policy caps low.
Example: A crash destroys your custom paint and $800 helmet. Accessory coverage pays to replace them.
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