How do you choose the right motorcycle insurance for your Harley?
A Harley-Davidson is one of the most iconic motorcycles you can ride. Harley-Davidson’s unique style is instantly recognizable to everyone. In addition, these motorcycles are known for the long touring trips people take on them. That’s why quality is a top priority at Harley-Davidson. However, this is also reflected in the price. The average (new) Harley starts at around €10,000. It’s understandable that you’d want to make sure this purchase is well protected.
But which insurance policy is the best fit for your Harley? In this blog, Alpina explains which motorcycle insurance is best for your Harley-Davidson.
Why Get Motorcycle Insurance for Your Harley?
The primary reason for purchasing motorcycle insurance is to protect yourself from high costs. If you cause an accident, someone else could suffer significant damage as a result. You will be held liable for the costs of that damage. If you are insured, your insurer will cover the damage you cause to another person. In principle, you are responsible for paying for damage to your own Harley.
Don’t want to be personally liable for damage to your own Harley? Then you can purchase comprehensive insurance. This policy also covers damage you cause to your own Harley, unlike third-party liability insurance and limited comprehensive insurance. These two types of insurance only cover damage suffered by others or damage caused by theft or fire.
In addition, you may not ride your Harley on public roads without at least third-party liability insurance. This type of insurance is required by law.
The Best Motorcycle Insurance for Your Harley
Now that you know what types of insurance are available, it’s important to figure out which one is best for your Harley. The insurance you choose depends on a number of factors, which are explained below.
Age and Value of Your Harley
The choice of insurance often depends on the age of a Harley. For new models, comprehensive insurance is typically purchased because of the motorcycle’s higher value. Comprehensive insurance is simply considerably more expensive than liability insurance. Older models are only insured comprehensively if the Harley’s value is high enough.
Using Your Harley
How you use your Harley can influence your choice of insurance. If you use your Harley infrequently or not at all, you’re at a lower risk of an accident than if you use it almost every day. If you use it frequently, it’s advisable to purchase comprehensive insurance.
Get your Harley insurance through Alpina
Would you like to purchase insurance for your Harley? Then Alpina is the right place for you. At Alpina, you’ll always get the most comprehensive insurance coverage at the right price. You can easily calculate your premium using our online tool. Do you have questions about purchasing insurance? Please contact us or request a no-obligation quote.
See also
- Is motorcycle insurance required?
- Calculate Motorcycle Insurance
- Compare Motorcycle Insurance
- Purchase Motorcycle Insurance
- Frequently Asked Questions About Motorcycle Insurance
- Is it possible to get motorcycle insurance without a motorcycle license?
- What does third-party motorcycle insurance cover?
- The Motorcycle Insurance Policy Terms and Conditions
- Motorcycle Insurance Costs: What Can You Expect?
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