Key takeaways
- Generally no: Car insurance does not cover motorcycle accidents if you are riding the motorcycle. You need a separate motorcycle insurance policy.
- At fault rider: If you cause an accident while on a motorcycle, your car insurance will not apply. Your motorcycle liability cover is what matters.
- Other driver’s insurance: If a car hits you, that driver’s insurance can cover the damage and injuries they caused.
- Endorsements: Some insurers allow motorcycles to be included in a bundled policy, but only if they are clearly listed and covered.
Key points
- Coverage scope: Car and motorcycle insurance are separate. Your car policy only applies when you are driving your car, not riding a motorcycle.
- If the car driver is at fault: Their liability insurance will cover your injuries and damage to your bike, up to their policy limits.
- Your own protection: If you do not have motorcycle insurance and you cause an accident, you will have no cover for any damage or injuries.
Example
- You run a stop sign on your motorcycle and collide with a car. You are at fault. Your car insurance will not cover the damage, and you would have to pay for everything yourself.
- A car runs a red light and hits you while you are on your motorcycle. The driver’s insurance will cover the damage they caused. However, damage to your bike will only be covered if you have your own motorcycle policy.
What about bundling
- Bundled policies: Some insurers allow you to insure both your car and motorcycle under one provider, but they remain separate types of cover.
- Policy details: A motorcycle must be specifically listed and insured. It is not automatically covered under a car policy.
It is easy to assume one policy might cover everything, but that is not the case. If you ride a motorcycle, having the right insurance in place is essential to protect yourself and your finances. There are different options available to you such 1 day insurance or full coverage.