Key takeaways Dealer test rides are usually covered by the dealership’s insurance, but it is always best to confirm before riding. If you test ride a friend’s bike, it is treated the same as borrowing. You rely on the owner’s insurance policy. Some dealers may ask you to sign a waiver or show proof of … Read more

Key takeaways If you borrow a motorcycle with permission, the owner’s insurance is usually the primary cover. The exact details depend on their specific policy. Many policies automatically cover occasional riders who are not listed on the policy, but you should always confirm this with the owner or their insurer. To be safe, consider non … Read more

Key takeaways Zero depreciation cover also called new for old cover ensures your insurer pays for replacement parts at full value without subtracting depreciation. Normally, when you claim for bike damage, insurers deduct depreciation for wear and tear on parts. With zero depreciation, you get brand new parts in repairs. It is an optional add … Read more

Key takeaways Personal Accident Cover (often called Medical Payments or PIP) covers your medical expenses after a crash, regardless of who’s at fault. Medical Payments Coverage is optional in all states; Personal Injury Protection (PIP) is mandatory in a few states like Florida and optional in others. These covers pay for doctor visits, hospitalization, and … Read more

Third-party motorcycle insurance, also known as liability cover, is the most basic level of motorcycle insurance. It protects you financially if you cause damage to another person’s vehicle, property, or if you injure someone in an accident. It is designed to cover other people’s losses, not your own. Key takeaways Third-party insurance is essentially liability insurance … Read more

Key takeaways Comprehensive coverage is a key part of bike insurance and handles non-collision losses such as theft, vandalism, fire, weather, and more. It is not required by law, but lenders usually require it if the bike is financed. To file a claim, you typically pay a deductible (e.g., $500), then the insurer covers the … Read more

Key takeaways A complete motorcycle insurance policy will combine these coverages based on your needs and legal requirements. Here are some key takeaways before we dive deeper into this policy. Liability coverage: Pays for other person’s injuries or property damage if you’re at fault. Required in every state. Collision coverage: Pays to repair or replace … Read more

Key takeaways Non-owner motorcycle insurance a liability-only policy for people who ride motorcycles they don’t own. It provides coverage when you’re borrowing or renting and have no bike registered to you. It’s for occasional riders without a bike of their own such as someone whose friend’s bike they use infrequently, or a traveler renting bikes often. … Read more