When it comes to insuring motorcycles, there are a wide variety of options available for different types of bikes. Whether you’re an enthusiast of vintage models, a new rider, or someone with unique preferences, motorcycle insurance providers offer coverage to suit your needs. Here’s an overview of the types of motorcycles that can typically be insured:
1. New and Like-New Motorcycles
Insurance providers often offer coverage options that ensure new and like-new motorcycles are repaired with original manufacturer parts. This coverage can extend for a certain period, usually up to the motorcycle’s first ten years.
2. Vintage and Antique Motorcycles
Vintage motorcycle enthusiasts can find coverage tailored to their needs, offering protection for classic and kit bikes with coverage limits up to a specified amount.
Some states now require moped insurance for street-legal vehicles, even those with smaller engines. Moped insurance provides the necessary protection for riders in compliance with local regulations.
Whether you’re using a scooter as your primary means of transportation or not, insurance coverage is available to protect your vehicle and liability on the road.
5. Dirt Bikes
Although dirt bikes might not be street legal in many places, insurance coverage options still exist to provide comprehensive, collision, and other important coverages for vehicles used in off-road and extreme sports activities.
6. Customized Motorcycles
Insurance providers offer coverage for custom equipment and modifications made to motorcycles, ensuring that these enhancements are protected in case of damage or loss.
7. Sport Bikes
High-performance sport bikes can also be insured with tailored coverage options that take into consideration the unique features of these vehicles.
8. Touring Motorcycles
For riders who enjoy long journeys, touring motorcycle insurance provides coverage for essential equipment and contents carried during travels.
9. Trikes and Auto Cycles
Coverage is available for various types of three-wheeled vehicles, whether they are converted trikes, factory-built trikes, or auto cycles, depending on state regulations.
10. Multiple Motorcycles
Collectors or enthusiasts with multiple bikes can find insurance solutions that allow them to insure multiple motorcycles under a single policy, up to specified coverage limits per bike.
If you have a specific type of motorcycle not mentioned above, it’s advisable to contact an insurance agent to discuss available coverage options. Insurance providers offer a range of options to accommodate different motorcycles and riders’ needs, ensuring that both the vehicles and their owners are protected.