Motorbike isurance1/23/2024 ![]() If you cause an accident with expensive injuries and/or property damage to others, they can still sue you if your insurance runs out. $25,000 for property damage in one accidentīuying low limits of liability insurance is a way to cut your insurance costs, but could cost you far more later.$50,000 for bodily injury to multiple people in one accident.$25,000 for bodily injury to one person in one accident.When you purchase motorcycle liability insurance, you might see it written as a series of numbers, such as 25/50/25. Liability insurance also pays for a legal defense if someone sues you because of an accident. It will also cover property damage, such as car dents you cause others. For example, if you cause an accident and someone gets hurt, liability will cover the injured person’s medical bills-up to your policy’s limits. This core coverage type pays for injuries and damage you cause to others and is required in almost all states. Here’s a look at the most common types of motorcycle insurance. When you put together a motorcycle insurance policy, you can choose among several different insurance types to cover a wide range of problems. Helps pay for meals, lodging and transportation if you are stranded due to a mechanical or electrical breakdown Pays for certain expenses related to a mechanical or electrical breakdown, such towing or fuel delivery Helps replace your totaled motorcycle with a new or similar motorcycle Pays to repair or replace custom and aftermarket parts Pays for motorcycle theft and damage from fire, floods, vandalism and moreĮnsures original equipment manufacturer parts are used to repair your motorcycle Pays for repairs to your motorcycle for collision into objects such as fences and guardrails Like MedPay, covers you and your passenger’s injuries no matter who caused the accident, and also covers lost wages and replacement services for tasks you can’t do Pays for you and your passenger’s medical expenses, no matter who caused the accident Pays for medical expenses if you’re hit by someone who doesn’t carry any liability insurance or not enough to cover your medical bills Pays for your passenger’s medical expenses if you cause an accident A full copy of the policy documents is available upon request.Pays for injuries and damages you cause to others and your legal defense if another person involved in the accident sues you ![]() *Exclusions and Terms and Conditions apply. If you purchase European cover (from £54) and your motorcycle is not repaired when you are due to come home, you will be covered for transport to get you, and for your motorcycle to be transported to your home or UK garage or the cost of your travel for you to return to bring your bike home once repaired.Your No Claims Bonus on your other insurance policies will NOT be affected if you make a claim on your Breakdown Policy.Covers the cost of onward transport for you and your passengers if your motorcycle cannot be repaired.Covers the towing of your motor cycle to the nearest competent repairer.Up to one hour ’ s labour at the roadside if the motorcy cle can be repaired in situ.Provides you with 24 hours a day, 3 65 days a year emergency helpline.Our breakdown covers you in Northern Ireland, Great Britain and Republic of Ireland.Breakdown A ssistance * comes in handy if your motor cycle has broken down or suffered a puncture and you’re stranded on the side of the road.
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