Ryan Insurance & Financial Services

Motorcycle policies allow riders to hit the road confidently

by Sean Ryan on Sep 5, 2017

Each year in October, tens of thousands of bikers descend upon Volusia County with two goals in mind: To hit the open road, and have the time of their lives doing it. Perhaps you or a loved one enjoy riding too, but are you confident you have the right policy? How does motorcycle coverage differ from auto coverage? 

Motorcycles and cars require different policies. Motorcycle policies can cover more than the bike itself. They can cover apparel; optional equipment like side cars, custom paint details or after-market parts; and even offer roadside assistance and towing. Nationwide, for example, offers coverage for custom parts and equipment, custom and limited-edition bikes and trikes, and kit and vintage bikes. 

Most carriers offer clients the possibility of customizing their policy to fit their needs, to include comprehensive and collision coverage, bodily injury and property damage liability, medical payments and roadside assistance. In fact, there are several coverage options when it comes to motorcycle policies, but one we highly recommend is underinsured/uninsured motorist coverage. This coverage, as with auto policies, protects you (the rider), passengers, and even relatives in your household for injuries caused by an accident involving another uninsured or underinsured rider. Additionally, such coverage can assist with medical bills, lost wages and more.

Other items to consider and that can affect the pricing of your motorcycle policy include whether you rent or lease your bike or use it for commercial purposes, whether it’s used in competitions, and whether you own the title to the bike. 

Many motorcycle insurance policies offer discounts for safe riders and multiple motorcycles, as well. Umbrella insurance picks up where standard policies end, and provides additional coverage for homes, autos, bikes, boats, and more. 

Ryan Insurance & Financial, in partnership with its more than three dozen carriers, can offer clients the most affordable and expansive coverage desired, with flexible payment options and low down payments, 24/7 claims reporting, and a variety of money-saving discounts.

The bottom line is riders should be confidently covered with ample insurance when they snap on helmets, zip up the leathers, and take to the road on their beloved bikes. There’s a policy out there as perfect a fit for bikers’ needs as there are custom rides, and they need not settle for less. 

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