What coverages does Harley-Davidson Insurance offer?
In addition to the standard motorcycle insurance coverages of comprehensive, collision, liability, uninsured/ underinsured motorist protection, and personal injury protection coverage, Harley-Davidson also offers optional coverages that you can add to your bike insurance policy. Get extra coverage for your bike with the following Harley-Davidson coverage options.
Roadside Assistance: You can add roadside assistance for your motorcycle to your Harley-Davidson Insurance policy. Motorcycle roadside assistance helps with mechanical or electrical breakdown and helps you save money on covered services. Harley-Davidson roadside assistance is available 24 hours a day for towing (usually to the dealership closest to your location) and service for the following:
- Fluid shortage (fuel, oil, water)
- Battery failure
- Lock-out (lost key)
- Flat tire(s)
Optional Equipment: If you've modified your bike, this coverage is for you. This is one of the few companies that offers Optional Equipment coverage to protect any equipment that you've added to your bike that isn't factory standard equipment according to your bike's VIN number. If you have customized your bike, this should be accounted for in the quote process to get the most accurate quote with competitive rates.
Vacation Rental: Harley-Davidson Insurance's Vacation Rental gives you the same level of motorcycle insurance coverage on a rented bike that you have on your own bike. You will pay the same amount that you received on your original policy quote, not any extra. You can set things like this up using your online Harley-Davidson Insurance Services account. You can choose your insurance coverage options based on what makes sense for your life in general.
Bike Replacement Cost:Bike Replacement Cost coverage covers the cost to replace your motorcycle if it's totaled, rather than covering you only for the value of what your bike is worth, including depreciation. Harley-Davidson offers Bike Replacement Cost coverage that you can add to your motorcycle insurance policy.
Optional Equipment Replacement Cost: Your optional equipment will need to be replaced if your bike is totaled. There is an Optional Equipment Replacement Cost coverage that covers the cost to replace it.
Rental Reimbursement: Harley-Davidson Rental Reimbursement coverage is useful for those who have no other mode of transportation other than their bike. If your motorcycle needs repairs and cannot be driven after an accident, H-D Rental Reimbursement coverage pays for your transportation while your bike is being fixed in qualifying circumstances. You can add Rental Reimbursement coverage to your motorcycle insurance policy, which is one of the great Harley-Davidson Bike Insurance Benefits.