Whether you’re still riding with a death grip or have so many bikes in your garage there’s no space for the car, Onmarket Insurance Associates offers a motorcycle insurance policy that is right for you. We insure most types of motorcycles including: sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and some custom bikes.
Of course you don’t plan on crashing your bike or having it stolen but if bad luck gives you the nod, you’ll be glad you have top notch cycle insurance coverage.
Having motorcycle insurance coverage benefits you, your bike and others on the road. Here is a rundown of the coverages included in a motorcycle insurance policy (in as simple terms as our lawyers will allow):
There’s a nuance to choosing the right coverage, learn the basics of Auto Insurance on our Vocab Page, but here are some things that pertain especially to motorcycles:
Bodily Injury Liability Coverage
Covers certain damages if you injure or kill a person while operating your motorcycle. It also provides you with a legal defense against lawsuits. When you come in for a meeting, we can discuss the varying levels of coverage on this.
Property Damage Liability Coverage
Insures you against certain damages caused to someone else’s property while operating your motorcycle, and protects you from claims if another party files a lawsuit.
Pays for damage to your motorcycle when it hits, or is hit by, another vehicle.
Comprehensive Physical Damage Coverage
Pays for covered losses resulting from incidents other than collision, such as theft, fire or vandalism.
Provides protection for your accessories as long as you carry comprehensive or collision coverage on your policy. Accessories often include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased. Collision coverage provides protection for your helmet as well. (Coverage amounts vary by state.)
What Carriers Do You Work With?
We work with many insurance providers, all to provide you with an array of affordable and valued options.
What Happens if Someone is Riding with Me? Are They Covered?
In most cases yes, so long as you have additional Liability Coverage.
Is it Possible to Bundle these Machines with other Types of Vehicles like cars or RVs?
Yes, in fact the value of working with an agency like ours is that we’ll talk to you about everything you value in your life and find the best coverage to protect it all at competitive rates. We can “Risk Manage” your life by identifying all the risks you take and putting the correct coverage on your account to protect against the hiccups.
Can I Still Get Covered If My Driving Record is … Complicated?
It’s no secret that people with great driving records are an insurer’s dream, but a couple of incidents won’t keep you from finding a plan. In the case that your record includes major accidents, or even fatalities, there are “High Risk Insurance” options that we can pursue.