Key takeaways Lower cost: Insurance for a 125cc bike is usually cheaper than for larger motorcycles because of lower power and reduced risk. Similar requirements: Insurance needs are the same as any motorcycle, including liability cover required by law. Usage matters: If you use your bike daily, it may be worth adding more cover. Occasional … 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 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
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 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 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 Illegal in all states: Every U.S. state requires motorcycle insurance, at least liability cover, to ride legally. Riding without it is a serious offence. Legal penalties: Getting caught can lead to fines, license suspension, your bike being impounded, and in some cases even jail time. Financial risk: If you crash without insurance, you … Read more
Key takeaways Off road use: Dirt bikes used only off public roads usually do not require state mandated insurance since they are not registered for road use. Liability coverage: If you ride on public property or organized events, liability insurance can cover damage or injury to others. Collision and comprehensive: These can cover damage to … Read more
Key takeaways Personal vs commercial use: Standard motorcycle insurance is designed for personal use. If you use your bike for deliveries, your claim may be rejected without the right cover. Commercial insurance: Couriers should have a commercial motorcycle policy or a business use add on to stay properly insured while working. Employer coverage: Some delivery … Read more
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 … Read more