Does Motorcycle Insurance Really Cover My Gear?

Motorcycle insurance generally covers your gear, but there are a few caveats. Reading your policy carefully is essential to ensure you’re fully protected.

Some policies specifically exclude “non-motorized equipment,” such as bicycles and skis, which means you may not be covered if they’re damaged in a crash. While other policies only cover personal property damage, which might not include damage to your motorcycle gear.

Let’s learn how your gear is protected by motorcycle insurance in this blog.

Do Motorcycle Insurance Cover Your Gears?

First, it may not cover all of your gear. Secondly, it may not provide coverage if you’re using expensive equipment that’s not common on motorcycles. And lastly, the coverage may only apply to you while you’re riding your motorcycle – if something happens to your bike while it’s parked, the coverage may not apply.

Get Coverage from Gear Manufacturers

Manufacturers of motorcycle equipment occasionally offer warranties. Even if your motorcycle insurance doesn’t cover the gear, the manufacturer may still be responsible. Ensure you read your policy carefully to see what is and isn’t covered.

What Is Included in Comprehensive Motorcycle Insurance?

Comprehensive motorcycle insurance usually includes coverage for physical damage to your bike and theft. It may also cover personal injury, property damage, and collision. As the name implies, comprehensive motorcycle insurance offers protection for a variety of items, such as:

  • The cost of motorbike accessories in the open market
  • Riding equipment that is damaged due to an insured occurrence, such as a collision or fire, or gets stolen from a secure storage compartment in your bike. This covers your riding gear and the riding gear of anyone riding with you up to a maximum of $1,000,

The policy excludes the following:

  • generic gear without protection
  • typical use-related wear and tear or damage to your riding equipment
  • your riding gear when it’s away from your bike.

What is Covered by Motorcycle Third-Party Property Damage Insurance?

Motorcycle insurance for third-party property damage only covers harm to other people’s property and vehicles that you might be held accountable for following an accident. In this case, your riding gear (as well as your bike!) will not be protected.

If you love riding, you might want to think about getting motorcycle insurance so that you can drive with the assurance that, if the unexpected occurs, you and your vehicle stay protected.

Bottom Line

Motorcycle insurance is essential for a variety of reasons, including the fact that motorcycles are more likely to be involved in collisions compared to other vehicles. Ensure you have adequate coverage and understand what is and isn’t covered by your policy. It’s also important to know the different types of motorcycle insurance available and which ones may be best for you.

Lou Aggetta Insurance Inc. Can Help You!

Are you looking for motorcycle insurance in Pleasant Hill, CA? Contact our team here at Lou Aggetta Insurance Inc. to explore your options.