Harley Davidson Insurance: Comprehensive Coverage for Your Ride


As a motorcycle enthusiast, you understand the importance of protecting your prized possession. Harley-Davidson Insurance offers a range of comprehensive coverage options tailored specifically for Harley-Davidson® owners. Whether you’re riding a Cruiser, Touring bike, or Sport Bike, their policies have got you covered. In this article, we will explore the various insurance options available, the benefits of choosing Harley-Davidson Insurance, and how you can save money without compromising on protection.

Understanding Harley-Davidson Insurance Coverage

When it comes to motorcycle insurance, Harley-Davidson Insurance provides a wide array of coverage options to meet the unique needs of each rider. From basic liability insurance to full coverage including collision, comprehensive, and bodily injury, they have policies for almost every rider and motorcycle model. Let’s take a closer look at some of the coverage choices available.

1. Liability Coverage

Liability coverage is the foundation of any motorcycle insurance policy. It protects you financially in case you cause damage to someone else’s property or injure another person while riding your Harley-Davidson®.

2. Comprehensive and Collision Coverage

Comprehensive coverage safeguards your bike against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, covers the repair or replacement costs if your motorcycle is damaged in an accident.

3. Uninsured/Underinsured Motorist (UM/UIM) Coverage

This coverage protects you if you are involved in an accident with a driver who doesn’t have insurance or has inadequate coverage. It ensures that you are still protected even if the at-fault party cannot cover the damages.

4. Medical Payments Coverage

In the unfortunate event of an accident, medical payments coverage takes care of your medical expenses, regardless of who is at fault. It provides peace of mind knowing that your medical bills are covered, allowing you to focus on a speedy recovery.

5. Coverage for Helmets and Safety Apparel

Harley-Davidson Insurance goes above and beyond by offering coverage for your helmets and safety apparel. This ensures that you are protected not just on the road, but also in case of any damage or loss to your protective gear.

6. Total Loss Coverage

If your Harley-Davidson® is declared a total loss due to theft or irreparable damage, this coverage provides compensation for the actual cash value of your motorcycle so that you can replace it with a similar model.

7. Trip Interruption Coverage

Imagine being on a cross-country adventure when your bike breaks down. Trip interruption coverage helps cover the unexpected expenses incurred during such incidents, including lodging, meals, and transportation.

8. Roadside Assistance

Harley-Davidson Insurance understands that breakdowns can happen at any time. With their roadside assistance coverage, you can have peace of mind knowing that help is just a phone call away. Whether you need a tow, fuel delivery, or a jump-start, their network of service providers is ready to assist you.

9. Guest Passenger Liability

If you frequently have passengers on your Harley-Davidson®, guest passenger liability coverage protects you in case your passenger is injured in an accident. It provides coverage for their medical expenses and any legal liabilities that may arise.

10. Bodily Injury and Property Damage Liability

Bodily injury liability coverage is essential as it protects you if you are at fault in an accident that causes injury to others. Property damage liability coverage, on the other hand, covers the cost of repairing or replacing someone else’s property that was damaged in the accident.

11. Vacation Rental Coverage

If you decide to rent a motorcycle while on vacation, Harley-Davidson Insurance offers coverage for rental bikes. This ensures that you are protected even when you are away from home, allowing you to thoroughly enjoy your riding experience.

12. Personal Injury Protection

Personal injury protection coverage provides additional financial support for medical expenses, lost wages, and other related costs if you are injured in a motorcycle accident, regardless of who is at fault.

13. Rental Reimbursement

If your Harley-Davidson® is in the shop for repairs after an accident, rental reimbursement coverage helps cover the cost of renting a replacement motorcycle while yours is being repaired.

Benefits of Choosing Harley-Davidson Insurance

When you choose Harley-Davidson Insurance, you not only receive comprehensive coverage for your motorcycle but also gain access to a range of exclusive benefits. Let’s explore some of the advantages of insuring your Harley-Davidson® with them.

1. Harley-Davidson® Genuine Motor Parts and Accessories

As a Harley-Davidson® owner, you take pride in customizing your bike with genuine parts and accessories. Harley-Davidson Insurance recognizes this and offers coverage for these custom additions, ensuring that your unique modifications are protected.

2. H.O.G.® Member Discount

If you are a member of the Harley Owners Group (H.O.G.®), you can enjoy exclusive discounts on your insurance premiums. This membership benefit helps you save even more while still receiving top-notch coverage for your motorcycle.

3. $1,000 Accessory Coverage Included

Harley-Davidson Insurance includes $1,000 of accessory coverage in their policies. This means that if your accessories are damaged or stolen, you can receive up to $1,000 towards the replacement or repair costs.

4. Harley-Davidson® Riding Academy Discount

Safety is a top priority for Harley-Davidson Insurance, and they encourage riders to enhance their skills through the Harley-Davidson® Riding Academy. As an insured rider, you can enjoy a discount on their motorcycle training courses, ensuring that you are equipped with the necessary skills to ride confidently.

5. Accident Forgiveness

Harley-Davidson Insurance understands that accidents happen, even to the most experienced riders. With their accident forgiveness program, your rates won’t increase after your first at-fault accident, giving you peace of mind.

Protection for All Types of Bikes

While Harley-Davidson Insurance specializes in providing coverage for Harley-Davidson® motorcycles, they also extend their services to other motorcycle manufacturers. Whether you ride a Cruiser, Touring bike, Sport Bike, or any other type of motorcycle, they have policies to suit your needs. Their expertise and knowledge extend beyond their own brand, ensuring that all riders can benefit from their comprehensive coverage options.

Money-Saving Motorcycle Insurance Discounts

Harley-Davidson Insurance believes in providing affordable motorcycle insurance without compromising on protection. They offer a range of discounts to help you save on your premiums. Some of the money-saving discounts available include.

  • Safe rider discounts for riders with a clean driving record.
  • Multi-policy discounts for insuring multiple motorcycles or bundling your motorcycle insurance with other policies.
  • Safety course discounts for completing approved motorcycle safety courses.
  • Loyalty discounts for long-term policyholders.

By taking advantage of these discounts, you can enjoy quality coverage at a competitive price, allowing you to focus on the joy of riding your Harley-Davidson®.

Experienced Support at Your Service

With over 20 years of experience in the industry, Harley-Davidson Insurance Services has a deep understanding of the unique needs of motorcycle enthusiasts. Their team of licensed advisors is dedicated to providing personalized assistance and exceptional customer service. Whether you have questions about their coverage options, need help with a claim, or require general advice, their experienced support team is ready to assist you.

Get an Instant Motorcycle Insurance Quote

Ready to protect your Harley-Davidson® with comprehensive insurance coverage? Getting an instant motorcycle insurance quote from Harley-Davidson Insurance is quick and easy. Simply visit their website or contact one of their authorized dealerships for personalized assistance. Their licensed advisors will help you find the best policy for your motorcycle, ensuring that you can enjoy the ride with peace of mind.

If you have any additional questions or need more information about bike and rider insurance, Harley-Davidson Insurance has a dedicated FAQ section on their website. You can also reach out to them directly via their contact information provided.


Investing in Harley-Davidson Insurance means investing in comprehensive coverage tailored specifically for Harley-Davidson® owners. With a wide range of coverage options, exclusive benefits, and money-saving discounts, they provide the protection you need for your prized possession. Choose Harley-Davidson Insurance and ride with confidence, knowing that you have a trusted partner supporting you every step of the way.

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