Harley Davidson Insurance: Protecting Your Motorcycle and Your Peace of Mind

Harley Davidson Insurance: When it comes to safeguarding your cherished motorcycle, selecting the right insurance is essential. Harley Davidson Insurance recognizes that your bike is much more than a way to get from point A to B—it’s a passion, a lifestyle, and an expression of who you are. Whether you’re hitting the open road on a scenic route or navigating through busy city streets, having reliable protection for both you and your motorcycle offers peace of mind like no other. Harley Davidson Insurance is designed not only for Harley-Davidson bikes but also covers a wide range of motorcycle types. In this guide, we’ll delve into the coverage options and unique services that Harley Davidson Insurance offers, helping you ride confidently and stay protected every mile.

Let me tell you why Harley Davidson insurance is different?

When I went with the Harley Davidson Insurance Plan for my bike, it felt like I was getting so much more than just insurance—I was getting peace of mind, specifically tailored for my ride. The Harley-Davidson Extended Service Plan has genuinely been a lifesaver. With over 1,100 parts covered and benefits that feel like they’re crafted just for us riders, it’s clear this plan was designed with real motorcyclists in mind.

One of the things I truly appreciate is how flexible this plan is. It’s not limited to just my Harley; it also covers different types of bikes, from cruisers and sport bikes to touring bikes. Harley-Davidson really gets what we need on the road and has put together a program that genuinely supports our lifestyle and our bikes.

Why Riders Choose Harley Davidson Insurance

Choosing insurance can feel overwhelming, but if you’re passionate about your Harley like I am, you’ll want coverage that understands what we need. With Harley Davidson Insurance, you’re not just getting a policy; you’re investing in peace of mind.

• Designed for Riders by Riders: This insurance isn’t a one-size-fits-all policy. It’s specifically tailored to cover the unique aspects of owning a Harley.
• Genuine Parts Guarantee: One major advantage is knowing that any repairs will use genuine Harley-Davidson® parts. This keeps your bike true to its original build and quality.
• Roadside Assistance: Whether you’re a weekend rider or a long-distance adventurer, Harley Davidson Insurance has you covered if you ever need help on the road.

Types of Bikes Covered by Harley Davidson Insurance

When I first looked into Harley Davidson Insurance, I was genuinely impressed by how many different types of bikes it covers. It’s not just for the classic Harley models; the coverage is as diverse as the riders themselves. Here’s a breakdown of the types that are covered and what makes each one special:

• Cruisers: These are perfect for those laid-back, scenic rides. Nothing beats a cruiser when you’re in it for the journey.
• Sport Models: If you love speed and agility, sport bikes have got you covered.
• Touring Bikes: For those of us who can’t resist the call of the open road, touring bikes are built for comfort and endurance on long trips.
• Trikes: Bringing stability and a unique style, trikes are perfect if you’re looking for a safer yet stylish option.
• Electric Bikes: Harley’s commitment to the future shows here—these bikes let you ride with a lighter environmental impact.
• Scooters and Mopeds: Ideal for city dwellers, they make urban travel easy and efficient.

Here’s a quick summary of each bike type and the benefits Harley-Davidson Insurance offers for each:

Motorcycle Type	Features and Benefits
Cruiser	Great for relaxed, scenic rides
Sport Bike	High performance and maneuverability
Touring	Ideal for long-distance trips
Trike	Added stability for safer riding
Electric Bike	Environmentally friendly choice
Scooter/Moped	Best for urban commuting

This variety in coverage shows that Harley Davidson isn’t just committed to its traditional riders—it’s focused on supporting all kinds of riding experiences. No matter what you ride, there’s a plan that fits.

Coverage Options: More Than Just Basic Protection

When I explored Harley Davidson Insurance, I realized it’s not just about basic coverage; it offers way more to keep both me and my bike secure. There’s a range of plans that go beyond just meeting legal requirements—they really focus on making sure you’re well-protected on every front, from bodily injury to property damage.

Basic and Full Coverage Choices

With Harley-Davidson Insurance, you have the option to choose what works best for your needs. You can go with basic liability, which covers damages you might accidentally cause to others, or opt for full coverage for that extra peace of mind. Here’s how each option breaks down:

• Bodily Injury Liability: This covers you financially if you’re at fault and cause injuries to someone else. It’s a big relief knowing this support is there.
• Property Damage Liability: If you accidentally damage someone’s property, this part of the plan steps in to help cover the repairs.
• Collision Coverage: This one is for protecting your bike if it’s damaged in a collision, whether it’s with another vehicle or an object.

Specialized Protection Just for Your Harley

Harley-Davidson really understands that our bikes are more than just vehicles—they’re part of who we are. They’ve added options that give us extra, bike-specific support:

• Optional Equipment Coverage: Got custom parts or unique accessories? This covers those, so you’re not left paying out-of-pocket for repairs.
• Roadside Assistance: Ever had a breakdown in the middle of nowhere? Harley’s got your back with 24-hour roadside help to get you and your bike to safety.
• Rental Reimbursement: If your bike’s undrivable after an accident, this feature helps cover transportation costs, so you’re never stuck.

With all these options, Harley-Davidson Insurance offers a true sense of security, helping us riders stay focused on the journey ahead, knowing we’re fully supported.

Harley Davidson Extended Service Plan: Tailored for Motorcyclists

The Harley-Davidson Extended Service Plan is the only factory-endorsed plan for Harley-Davidson motorcycles. This plan includes:

1. Coverage for Over 1,100 Parts: Essential components of your bike are protected, saving you from costly repairs.
2. Rental and Towing Reimbursement: If you’re stranded, this plan reimburses your costs.
3. Genuine Parts and Repairs: Repairs are made by Harley-Davidson experts using genuine parts.

Protection for All Types of Motorcycles

Harley Davidson Insurance isn’t just for Harley-Davidson bikes. Here’s a look at some of the types of motorcycles they cover:

Bike Type	Description
Cruiser	Classic style, designed for relaxed riding.
Sport Bike	High-performance bikes built for speed and handling.
Touring	Designed for long-distance comfort and travel.
Trike	Three-wheeled motorcycles for added stability.
Electric	Environmentally friendly option, powered by electricity.

Comprehensive Coverage Options for Every Rider

When I looked into Harley-Davidson Insurance, I was impressed by how many specific coverages are available to protect both me and my bike in nearly any situation. It’s clear they’ve thought through the risks we face as riders, and the coverage reflects that level of detail:

• Guest Passenger Liability: This one really stood out to me. If I’m riding with a passenger, this coverage protects them in case of an accident, which adds some real peace of mind.
• Uninsured Motorist Bodily Injury: We all know not every driver has insurance, so if an uninsured driver hits me, this coverage steps in to cover my injuries.
• Underinsured Motorist Bodily Injury: Sometimes, even if the other driver has insurance, it’s not enough. This coverage is there if the at-fault driver’s insurance can’t fully cover my injuries.
• Personal Injury Protection: This covers medical expenses for both me and any passenger, no matter who caused the accident. It’s reassuring to know that we’re protected regardless of the situation.
• Medical Expense Coverage: If I or my passenger gets hurt, this part of the plan helps cover medical costs, which is a big relief.

Why Choose Harley Davidson Insurance?

Choosing Harley-Davidson Insurance was all about finding a plan that had my back. The combination of personalized service, quality repairs, and extensive coverage options made it a no-brainer for me. Whether I’m hitting the road every day or just cruising on weekends, it feels good knowing I’ve got coverage that’s as committed to my ride as I am.

My Experience with Harley Davidson Insurance

Having been on the road for years, I know the importance of feeling secure while riding. With Harley Davidson Insurance, I never have to worry about whether I’m fully covered or if my bike will be restored to its original condition after repairs. The roadside assistance has saved me on a few occasions, and knowing I have guest passenger liability gives me peace of mind when a friend tags along for the ride.

Key Benefits of Harley Davidson Motorcycle Insurance

Genuine Parts and Accessories

Harley Davidson Motorcycle Insurance covers replacement parts for your bike, ensuring that in the event of damage, only genuine parts will be used to maintain your motorcycle’s quality and performance.

Military and Law Enforcement Discounts

To honor those who serve, Harley Davidson Motorcycle Insurance offers exclusive military and law enforcement discounts. Whether you’re active or retired, you’ll receive reduced rates as a thank-you for your service.

Multi-Bike Discount

For those with multiple motorcycles, insuring them under Harley Davidson Motorcycle Insurance qualifies you for a multi-bike discount. This applies regardless of the bike’s make or model, making it easy to protect all your rides in one policy.

Riding Safety Class Discount

Riders who complete safety courses, like those offered by the Motorcycle Safety Foundation or Harley-Davidson’s own Riding Academy, may receive additional savings. Harley Davidson Motorcycle Insurance rewards safe riding practices with lower rates.

Accessories Insurance Coverage

Harley Davidson Motorcycle Insurance also includes optional coverage for equipment and safety gear, ensuring your gear is protected along with your bike.

Accident Forgiveness

With motorcycle accident forgiveness, your premium won’t automatically increase after a first accident. This provides peace of mind, knowing that one mishap won’t dramatically affect your rates.

Benefit	Details
Genuine Parts and Accessories	Only genuine Harley-Davidson parts used for repairs
Military/Law Enforcement Discounts	Discounts for active and retired personnel
Multi-Bike Discount	Savings for insuring multiple bikes
Riding Safety Class Discount	Reduced rates for completing certified safety courses
Accessories Coverage	Protection for additional equipment and gear
Accident Forgiveness	No automatic premium increase for the first accident

Extensive Parts Coverage and Benefits

With coverage for over 1,100 parts, Harley Davidson Motorcycle Insurance ensures that even complex repairs—such as ignition switches, speedometers, and wheels—are handled by experts at H-D dealerships using genuine parts. For new motorcycles, coverage includes an Expense Reimbursement Package and optional Tire & Wheel Protection starting the same day as your factory warranty. Used motorcycles get coverage from the day of purchase.

Coverage	Details
Parts Coverage	Over 1,100 parts, handled by H-D experts
Expense Reimbursement Package	Up to $75/day for rental, $150/day for meals and lodging, $200 for towing
Optional Tire & Wheel Coverage	Covers damage from road hazards
Contract Transfer	Increases resale value
Future Contract Guarantee	Extend coverage for up to 5 additional years

Key Benefits and Reimbursements

Harley Davidson Bike Insurance is designed to keep you covered and supported, no matter where the road takes you.

• Expense Reimbursement Package: For breakdowns away from home, this package provides up to $75 per day for a rental (with a $750 maximum), up to $150 per day for meals and lodging (with a $450 maximum), and up to $200 for towing to an H-D dealership.
• Nationwide Repair Assistance: Access to nationwide repair assistance means you’ll be directed to the nearest H-D® dealership if a breakdown occurs, ensuring fast and reliable service.
• Optional Tire & Wheel Coverage: For added protection, this optional feature covers tire and wheel damage caused by road hazards, keeping your motorcycle road-ready.
• Contract Transfer and Future Contract Guarantee: Harley Davidson Motorcycle Insurance offers the option to transfer your policy to a new owner, adding value if you decide to sell your bike. You can also extend your contract for up to 5 years, ensuring coverage that grows with your needs.

Locked-In Repair Costs

With Harley Davidson Motorcycle Insurance, repair costs stay predictable. You pay only a $50 deductible per covered repair, while benefits under the Expense Reimbursement Package carry no deductible.

Easy and Efficient Claims Process

When the unexpected happens, Harley Davidson Motorcycle Insurance has you covered with a straightforward claims process available 24/7. Filing a claim is simple—just call 800-242-2464 or file online. An experienced motorcycle claims specialist will review your coverages and walk you through the claims process to get you back on the road as soon as possible. With knowledgeable specialists by your side, you can rest assured that Harley Davidson Motorcycle Insurance will guide you every step of the way.

FAQs

1. What is Harley Davidson Insurance, and what does it cover?
   • Harley Davidson Insurance offers extensive motorcycle insurance coverage, including liability, comprehensive, and collision options.
2. Can I insure bikes other than Harley-Davidson models with Harley Davidson Insurance?
   • Yes, Harley Davidson Insurance covers various types of motorcycles, not limited to Harley-Davidson models.
3. What does the Harley-Davidson® Extended Service Plan include?
   • This plan includes coverage for over 1,100 parts, roadside assistance, and genuine repairs by Harley-Davidson experts.
4. Does Harley Davidson Insurance provide rental reimbursement?
   • Yes, if your bike is undrivable due to an accident, Harley Davidson Insurance covers transportation expenses.
5. What is Guest Passenger Liability?
   • Guest Passenger Liability provides financial protection if a guest passenger is injured during an accident while riding your motorcycle.