My AccountHarley-Davidson might be the most famous motorcycle manufacturers in the world. If you ride a Harley, you’ll doubtlessly take a lot of pride in your ride. Getting the right motorcycle insurance is vital. But is insuring a Harley-Davidson any different from insuring any other motorcycle?
Why is Harley-Davidson Insurance Different From Standard Motorcycle Insurance?
Some insurers offer dedicated motorcycle insurance policies for Harley-Davidsons, and other renowned classic motorcycle brands.
These policies will take into account your Harley’s:
- Age
- Value
- Engine size
- Precedence (for classic Harleys) – Are there any unique features, modifications, or other factors that make the bike particularly valuable?
Harley-Davidsons can be more valuable than other motorcycles. This might make vehicle theft more of a risk, and it might mean that any potential repairs would cost more than they would for other brands. Certain repairs may call for rare parts and specialist mechanics.
We all know that, for most riders, a Harley is more than just a motorcycle. It’s a way of life. Insurance policies are designed to provide peace of mind that your beloved bike will be fully covered for anything that might go wrong.
Choosing The Right Cover For Your Harley-Davidson
When you take out your Harley-Davidson policy, you’ll have a choice of three levels of cover: Third party, third party with fire and theft, and comprehensive.
- Third party – If you’re involved in an accident:
- A third party insurance policy will cover any damages to other vehicles and property.
- You will not be covered for any personal injuries, or any damage to your own vehicle and equipment.
- Third party with fire and theft – this provides:
- The same level of cover as a third party only policy but you will also be covered for losses due to fire and theft.
- Comprehensive – In the event of an accident:
- This will cover your own bike, as well as any damages to third party vehicles and property.
- With a comprehensive policy, you’ll also be able to choose optional extras, including leather and helmet cover and enhanced personal accident.
Which level of cover is right for you? Let’s face it: If you ride a Harley, then you don’t want to cut corners on your cover. Though it’s possible to save money on your insurance with a third party policy, comprehensive cover is the only option that will give you total peace of mind while you ride.
Do I Need Dedicated Harley-Davidson Insurance?
While many insurers will offer dedicated Harley-Davidson insurance policies, the truth is that you don’t need to get specialist insurance if you ride a Harley.
When you take out any motorcycle insurance policy, your insurer will account for your bike’s size, age, and value. They’ll use this information, along with certain other factors (such as your age, occupation, and riding history) to calculate your premiums.
So a standard motorcycle insurance policy should provide the right level of cover for a Harley-Davidson, and you should be able to choose any optional extras that may be necessary.
Take the time to compare some quotes. And if any insurers appear to charge more for Harley-Davidson insurance, this does not necessarily mean that you’ll get more cover! Compare the policy wordings, paying attention to exceptions, and you’ll likely find that you’ll get the cover you need regardless of whether you choose a specialist Harley-Davidson insurance policy.
Choose Sabre Direct For Comprehensive Harley-Davidson Insurance
At Sabre Direct, we can provide insurance for your Harley-Davidson, regardless of its size, age, or value.
Find the perfect Harley-Davidson insurance for you in a matter of minutes. Get a Quote now and get the cover you need for your pride and joy.