Is it possible to get motorcycle insurance without a motorcycle license?

Consequences of Riding a Motorcycle Without Insurance

If you don’t have a motorcycle license but decide to ride your motorcycle anyway, you’re taking a big risk. If you cause an accident, you’ll have to cover the costs associated with that accident yourself. This applies to both your own expenses and those of others. These costs can add up significantly.

If you decide to ride without a driver’s license even though you’re insured, the insurance company still won’t pay out. If someone else who does have a driver’s license rides your motorcycle, the insurance company will cover the damages.

Third-Party Liability Insurance

Liability insurance (WA) is the minimum coverage you are required to purchase. This insurance covers only damage you cause to others.

Limited Comprehensive Auto Insurance

With limited comprehensive insurance, you are also covered in some cases for damage to your own motorcycle. This may include damage caused by fire, explosion, storm/severe weather, collision with stray animals, and theft. Damage you cause to others is also covered. Did you know that this insurance sometimes also covers situations where you are not riding the motorcycle? For example, you might have parked your motorcycle somewhere and it catches fire. In this case, any resulting damage to others is covered. Please note: this may vary by insurer.

Comprehensive Insurance

With All-Risk insurance, virtually all damage is covered. This means that damage to your own motorcycle is also covered if you were at fault in a collision.

Which insurance plan is best for you?

If you want to purchase motorcycle insurance but don’t have a driver’s license, there are a few things you need to keep in mind. For example, you’ll never be covered if you decide to ride your motorcycle anyway. Is your motorcycle parked somewhere? Or is it occasionally ridden by someone else?

In that case, limited comprehensive insurance is the most logical choice. This coverage protects you when your vehicle is parked and when someone else is driving it.

Looking to get motorcycle insurance? Welcome to Alpina

Get your motorcycle insurance from Alpina today. At Alpina, you’ll always get the best possible coverage at the most competitive price. All you have to do is enter your information on our website, and we’ll give you an instant quote for your premium.