Is Motorcycle Insurance Required?

In most countries, motorcycle insurance is required. If you don't have insurance, you could get fined, have your license revoked, or even be arrested as well as not be allowed to gamble monday free spinsEven if you don't need insurance, carrying a policy is very important to protect your motorcycle from damage.

How Does Motorcycle Insurance Work?

When you buy motorcycle insurance, it's important that you thoroughly understand the policy's various features. In addition to the type of coverage you're getting, the agent will also ask you about your personal details. If you're involved in an accident and have to file a claim, your insurer will aid you to recover from the damages.

Your insurance company will pay for any injuries or losses that you sustain up to your policy's limits. The amount of coverage that they provide varies depending on the limits that you select.

What Does Motorcycle Insurance Cover?

If you have collision and comprehensive insurance, your motorcycle insurance will cover the damages caused by a covered incident.

Physical damage isn't included in this type of coverage if you're not able to finance your motorbike. All motorcycle policies have liability protection in case you're liable for the damages caused by another party. Some companies provide additional services such as carrying equipment and custom parts.

motorbiker

What is Motorcycle Liability Insurance?

In most countries, motorcycle liability insurance is required to pay for the damages that you can cause to others in the event of an accident, such as property damage and bodily injury liability as well as avoid paying a large sum of money out of your pocket after an accident.

What is Comprehensive Motorcycle Insurance?

A comprehensive motorcycle policy provides additional coverage to protect your bike from the various types of damage that can happen to it. Some of these include fire, theft, and vandalism. Although this type of insurance is not required by law, it can still be necessary if you don't own the bike outright.

What is Motorcycle Collision Insurance?

Collision insurance protects your bike from the damage that it can sustain following most accidents regardless of who was at fault. It may also cover you if you're the only one involved in the incident.

Uninsured Motorist Coverage for my Motorcycle

In some states, however, it is not required for uninsured or underinsured motorist coverage to provide financial protection to the victims of accidents caused by other drivers who are not insured. It can also help prevent you from getting injured due to the actions of other motorists, even in case you're not at fault for the accident, you can still be protected from the damages caused by the other driver.


There are three kinds of drivers who can potentially cause you to get into an accident while riding your bike.

    1. With adequate liability coverage, drivers with sufficient financial means afford to pay for the damages their actions cause to their bikes.
    2. But, for drivers with inadequate liability coverage, they are unable to fully cover the damages caused by their actions.
    3. Drivers who don't have any insurance coverage 

    If the other driver has inadequate or no liability insurance, then an uninsured or underinsured motorist policy can provide you with financial protection covering the costs of medical bills and other expenses that you're going through while recovering from an injury.

    Medical Payments

    Even if you are not at fault in an accident, your motorcycle insurance will cover the medical expenses that you and your passengers would have to pay following the incident. Some features that can be added to your policy include accident forgiveness and accessories.

    motorbike riding

    Extra Coverages

    You can avail of additional motorcycle insurance policies that cover different types of damages such as total loss, carried contents, and replacement parts.

     

    What Doesn't Motorcycle Insurance Cover?

    Motorcycle insurance policies won't cover the following:

    Track Days or Competitions: 

    Participating in track days or competitions is not covered by motorcycle insurance policies excluding riders who participate in timed events or races.

    Commercial Use: 

    If you work for a business, your motorcycle may not be covered under commercial use insurance. If you frequently use your bike for other activities, such as commuting, then a commercial vehicle policy may be more appropriate.

    Wear and Tear: 

    Motorcycle insurance typically does not cover the depreciation of your motorbike.

    Author - Olivia Poglianich
    ABOUT THE AUTHOR
    Olivia Poglianich          

    Content Strategist

    Olivia Poglianich is a nomadic brand strategist and copywriter in the motorcycling and adventure space who has worked with brands such as Visa, Disney and Grey Goose. Her writing has taken her all over the world, from a Serbian music festival to a Malaysian art and culture event. Olivia is a graduate of Cornell University and is often writing or reading about travel, hospitality, the start-up ecosystem or career coaching. Her latest interests are at the intersection of web3 and communal living, both on and offline.

     

    Search

    Just added to your cart:
    Qty:
    Total:
    Subtotal:
    Excl. postage 
    My Bag
    Just added to your wishlist:
    Excl. postage 
    My Wishlist

    We offer FREE shipping worldwide - super reliable with full online tracking. Goods are sent directly from the manuacturer's warehouse which is why we are able to offer such low prices with included shipping.

    Dudes! Are you really asking that? Ok, we et it there are alot of dodgy folks online these days trying to make a quick buck. But now, we have put our heart and soul into Rugged Motorbike Jeans and scamming is the last thing on our mind. We are a small team of bikers, generally adventuring around on our various bikes (supermoto's, adventure, naked street and enduro bikes). If you email us you will generally get our CEO Sam or one of our other support staff who love the motorcycle community and are a part of it wherever we go. Everything is legit as soon as you make an order, it is processed immediately and on the way to you.

    Yes & No. We sell a wide range of pants which DO have protective knee and hip pads and are suitable for motorcycle riding AND we also sell biker style jeans and pants which, although are all made of durable tough material are not certified for safety and do not have the protective padding needed in case you do get a little too throttle heavy and lay your bike down (we have all been there and done that!). Please check each product and contact us if you have any questions on this.

    Since we offer a wide range from various manufacturers, they all have their own sizing per brand. However there is a sizing chart on each product page, look for the tab just above the description or the size chart link on the right side, or email us and we can recommend the size for you.

    PLEASE NOTE : the size charts are taken directly from the manufacturer and the length is incorrect on some, the length is generally a standard length based on the waist size (waist size is correct on all size charts).

    Typically the standard FREE shipping (which has full online track and trace) takes anywhere from 7 to 40 days, depending on your country. We also offer an expedited shipping service for a low fee of $4.95. Please see the shipping page for more detailed info.

     

    Please contact us at info@cheapsnowgear.com or chat live to us at the bottom of the screen!

    Spin to win Spinner icon