Understanding Coverage Needs for Long-distance Motorcycle Riders

Your motorcycle can be a vessel of freedom, convenience and excitement, allowing you to cruise local streets and country roads with the thrill of the wind whipping by. But when you plan to travel longer distances on your bike, such as during rally season or for summer road trips, you may need to rethink your insurance coverage. Not all motorcycle insurance policies are created equal, and those planning extended travel may need greater financial protection.

How Might My Insurance Needs Differ for Longer Distances?

Motorcycle insurance can provide multifaceted financial security for you and your bike, whether you’re taking your daily commute or a long trip. However, in the case of the latter, you may need to enhance your insurance coverage. Consider the following possible needs:

• Roadside assistance coverage—When planning a long journey, you need to consider the possibility of your bike having engine trouble or other mechanical problems along the way. Fortunately, by including roadside assistance coverage in your insurance policy, you can be reimbursed for towing and other costs should you break down on the side of the road.

• Trip interruption coverage—Planning a trip may require you to be prepared for disruptions. Without trip interruption coverage, you might face costly out-of-pocket losses and expenses should your bike be disabled while far from home. Specifically, this coverage may help pay for lodging, restaurant meals, nonrefundable deposits for bookings you had planned and transportation back home.

• Rental reimbursement coverage—If your bike is damaged in an accident or otherwise becomes inoperable, you may be able to use this aspect of motorcycle insurance to temporarily fund a rental.

• Increased liability coverage—Although you likely already have liability coverage included in your motorcycle insurance, you may need to make adjustments depending on where you plan to travel. For example, if you’re at fault in an accident with a higher cost of living than where you live, you might face particularly steep losses that exceed your current limits.

We’re Here to Help

If you’re a biker in Kansas City, MO and want to verify that you’re properly covered for an upcoming trip, contact Safeway Insurance Agency today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.