Harley-Davidson Insurance Services, a subsidiary of Zurich Insurance Group, offers a type of motorcycle insurance specifically designed for Harley-Davidson motorcycles.Harley-Davidson Insurance offers a variety of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and roadside assistance.
They offers coverage for medical expenses and liability in case of an accident. It provides peace of mind for riders knowing that they are financially protected. With customizable options, riders can choose the coverage that best fits their needs and budget. Whether it’s a new rider or a seasoned one, having insurance for their motorcycle is essential for their safety and security.
Benefits of Harley-Davidson Insurance
It offers a number of benefits to riders, including:
Comprehensive coverage:
Harley-Davidson insurance offers a wide range of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and roadside assistance. This means that Harley-Davidson riders can be confident that they are financially protected in the event of an accident, theft, or other covered event.
Genuine Harley-Davidson parts and accessories:
It uses only Genuine Harley-Davidson parts and accessories to repair motorcycles. This ensures that motorcycles are repaired to Harley-Davidson’s high standards and that their value is maintained.
H.O.G.® member discount:
They offers a discount to members of the Harley Owners Group (H.O.G.®). This is a great way for Harley-Davidson riders to save money on their insurance.
$1,000 accessory coverage included:
All Harley-Davidson insurance policies include $1,000 in coverage for accessories. This is a valuable benefit, as Harley-Davidson accessories can be expensive.
Harley-Davidson® Riding Academy discount:
They also offers a discount to riders who complete a Harley-Davidson® Riding Academy course. This is a great way for their riders to save money on their insurance and improve their riding skills.
Accident Forgiveness:
They offers Accident Forgiveness, which protects riders’ good driving records in the event of an accident. This means that riders will not see their insurance rates increase after their first at-fault accident.
In addition to these benefits, it is backed by a team of experienced and knowledgeable insurance professionals who are dedicated to helping Harley-Davidson riders get the coverage they need at a price they can afford.
Types of Coverage
They offers a variety of coverage options, including:
Liability coverage:
This coverage pays for bodily injury and property damage that you cause to others in an accident.
Comprehensive and collision coverage:
This coverage pays for damage to your motorcycle, regardless of who is at fault. Comprehensive coverage also covers theft and other non-collision damage, such as fire, hail, and vandalism.
Uninsured/underinsured motorist (UM/UIM) coverage:
This coverage pays for your medical expenses and other losses if you are injured by a driver who does not have insurance or who does not have enough insurance to cover your losses.
Medical payments coverage:
This coverage helps pay for your medical expenses, regardless of who is at fault in an accident.
Coverage for helmets and safety apparel:
This coverage pays for the replacement of your helmet and other safety apparel if they are damaged in an accident.
Total loss coverage:
This coverage pays the actual cash value of your motorcycle if it is stolen or totaled in an accident.
Trip interruption coverage:
This coverage helps pay for your expenses if you are unable to finish your trip due to an accident or other covered event.
Roadside assistance:
This coverage provides assistance with roadside emergencies, such as flat tires, dead batteries, and lockouts.
Guest passenger liability:
This coverage pays for bodily injury and property damage that you cause to your passengers in an accident.
Rental reimbursement coverage:
This coverage pays for the cost of renting a motorcycle while your motorcycle is being repaired or replaced.
Vacation rental coverage:
This coverage pays for the cost of renting a vacation home if you are unable to use your vacation home due to an accident or other covered event.
Accessory coverage:
This coverage pays for the repair or replacement of your motorcycle accessories if they are damaged in an accident.
Tire and wheel coverage:
This coverage pays for the repair or replacement of your motorcycle tires and wheels if they are damaged in an accident or due to road hazards.
Harley-Davidson riders can choose the coverage options that best meet their needs and budget. It is important to note that some coverage options are required by law in certain states.
How to Choose the Right Harley-Davidson Insurance
To choose the right coverage for your needs, you should consider the following factors:
Your riding habits:
How often do you ride your Harley-Davidson? Where do you ride it? Do you ride it for commuting, touring, or pleasure?
The value of your Harley-Davidson:
How much is your Harley-Davidson worth? This will help you determine how much comprehensive and collision coverage you need.
Your financial situation:
How much can you afford to pay for monthly insurance premiums?
Your state’s insurance requirements:
Some coverage options, such as liability coverage, are required by law in certain states.
Shop around and compare quotes from multiple insurance companies.
Take advantage of any discounts that you are eligible for, such as discounts for H.O.G.® members and riders who complete a Harley-Davidson® Riding Academy course.
Review your insurance coverage regularly to make sure that it still meets your needs.
How to Get a Quote for Harley-Davidson Insurance
To get a quote for it, you can visit the their website or call Harley-Davidson insurance at 800-909-8393.
When getting a quote, you will need to provide the following information:
- Your name, address, and contact information
- The make, model, and year of your Harley-Davidson
- Your VIN number
- Your driving history
- Your desired coverage options
Once you have provided this information, an insurance agent will be able to give you a quote for Harley-Davidson insurance.
How to File a Claim
To file a Harley-Davidson insurance claim, you can:
- Call Harley-Davidson insurance at 800-242-2464.
- Be prepared to provide the following information:
- Your name, address, and contact information
- The make, model, and year of your Harley-Davidson
- Your VIN number
- Your policy number
- The date, time, and location of the accident
- A description of the accident
- The names and contact information of any witnesses
- Their representative will review your claim and assign you a claims adjuster.
- The claims adjuster will contact you to gather additional information and to schedule an inspection of your Harley-Davidson.
- Once the claims adjuster has completed their investigation, they will make a recommendation to Harley-Davidson insurance regarding your claim.
- Harley-Davidson insurance will then review the claims adjuster’s recommendation and make a decision about your claim.
Conclusion
Harley-Davidson insurance is a comprehensive insurance product that can protect Harley-Davidson riders and their motorcycles in the event of an accident, theft, or other covered event. It offers a wide range of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and roadside assistance. They also offers a number of benefits, such as genuine Harley-Davidson parts and accessories, discounts for H.O.G.® members and riders who complete a Harley-Davidson® Riding Academy course, and Accident Forgiveness.
When choosing the right coverage for your needs, it is important to consider your riding habits, the value of your Harley-Davidson, your financial situation, and your state’s insurance requirements. You can get a quote for Harley-Davidson insurance by visiting the Harley-Davidson website or calling Harley-Davidson insurance at 800-909-8393.
It is a great option for their riders who want comprehensive coverage, genuine Harley-Davidson parts and accessories, and a variety of discounts. It is important to review your insurance coverage regularly to make sure that it still meets your needs.
