What Is Motorcycle Insurance, And What Does It Cover?

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What Is Motorcycle Insurance, And What Does It Cover?

Maybe it’s been a lifelong dream; maybe, after a year plus of being stuck inside, you want to feel the wind on your face as you cruise the open road; or maybe you’ve just always loved Cool as Ice, Vanilla Ice’s star turn as a free-wheeling, motorcycle-riding rapper in small town America. Whatever the reasons may be, it sounds like you might have just bought yourself a motorcycle. And while you certainly need a leather jacket and matching pants (Ok ok, maybe that’s just us), you’ll also want insurance to keep you safe on the open road. So let’s break it down.

Does motorcycle insurance cover the same things as auto insurance?

Thanks for asking! Motorcycle insurance isn’t dissimilar to car insurance. Both often combine different types of coverage, like liability policies, which will help cover any damages your motorcycle might inflict upon other people or their property. 

You might have noticed that many of these policies even share the same name: once again, we have comprehensive coverage (to cover your hog in the event of nearly anything save for a collision) and collision insurance (to protect you in said collision). 

Keep in mind though that collision and comprehensive policies tend to only cover the replacement of standard parts; any additions or fancy paint jobs probably won’t be covered by your provider unless you’ve paid for specific policy endorsements.

How do motorcycle and car insurance differ?

So all of this may sound familiar if you have car insurance. But there is a major difference between the two. Motorcycle policies can include guest passenger liability insurance, which provides protection for any passenger who is injured while riding your motorcycle. Similarly, you can also opt for uninsured or underinsured motorist coverage, a policy that protects you and your bike if you’re hit by someone who doesn’t have insurance. 

As always, it’s important to make sure your policy covers your specific needs and that you read the fine print, because some uses might not be covered. Specifically:

  • Competitive racing
  • Stunts (You’re braver than we are!)
  • Commercial use

Whether it’s an old hobby or a new-found passion, it’s important to protect yourself, your motorcycle, and all the other important assets in your life. We built Marble to help you organize your insurance, so you can find everything you need when you need it, all in one hub (and get rewarded as you go). Set up your digital wallet today