May is a great month to consider whether your motorcycle insurance policy is meeting your needs. Maybe it is time to reevaluate your premium? Perhaps you bought a new motorcycle and need insurance?
You may not realize how much your policy can cover! It’s not just about the bike anymore. From jackets to your fishing pole, we can cover it.
Safety Riding Apparel
When you set out on the road for a great ride into the sunset, you know your gear keeps you safe, and makes you look pretty cool too! These essential protection pieces can be a little pricey, but are so important.
Depending on the style and quality, you could be looking at hundreds of dollars for a jacket alone. What happens if you get a tear in your jacket, or your helmet is damaged? It may cost you quite a lot to replace your kit. Luckily, this can be covered under your motorcycle policy.
Safety Riding Apparel Coverage offers:
- $500 included
- Up to $3,000 available
- Protects: helmets, eye wear, gloves, jackets, leathers, and boots
Total Loss Coverage (TLC)
You stay vigilant on the road to ensure your safety, but what happens when an accident occurs? What if your bike is damaged beyond repair or stolen? You can count on Total Loss Coverage to get you back on the road sooner. The age of your bike determines the amount of coverage, and the way coverage works.
Here are some key points to consider with Total Loss Coverage:
- Pays MSRP of current-year bike
- Optional coverage available for vehicles up to 1 model-year old
- When model-year is greater than 2 years old, TLC converts to Actual Cash Value (ACV)
Actual Cash Value is calculated by determining the amount of the replacement cost, minus depreciation of damaged or stolen property at the time of loss. Think of it as what you’d be able to sell your bike for in its condition.
Image you’ve planned an amazing road trip. You’ve mapped out the best scenic routes to cruise, and unique sites to visit. You hit the road ready to rumble, then something goes wrong. You break down, or experience another situation that leaves you stranded. Not only is this an inconvenience, but it can become expensive quickly, and make you miss out on the fun you planned.
Trip Interruption Coverage:
- Pays up to $500/occurrence if you’re more than 100 miles from home
- Includes covered losses and breakdowns
You’ve picked out your dream bike, but you can’t stop there. You need to customize it to truly make it your own. You want it to stand out from the pack, and meet your specific needs. So, what do you do? You add on accessories that perfect your ride. What happens when these costly add-ons are damaged? Make sure your Motorcycle Insurance Policy includes Accessory Coverage, so you don’t have to fret.
Accessory Coverage provides:
- Up to $3,000 included
- Up to $30,000 available
- No depreciation taken
When you hit the road, unless it’s a short journey, you normally bring personal items along. If you’re going out for the day, or off on a trip, there are things you just can’t leave behind. Obviously, you need to carry them with you on your bike.
Now imagine you’re loaded up with a fishing rod, tent, or other essential trip items. What if damages or losses occur to them on your journey, while carried on your bike? That’s what Carried Contents insurance is for!
Carried Contents Coverage:
- Covers up to $3,000 worth of personal effects
- Coverage pays to replace hunting, camping, touring or similar gear carried while riding
It is well worth considering these additions to your Motorcycle Insurance Policy. You probably didn’t consider them before, but could greatly benefit in a time of need. At Swiss Village Insurance, we can help you obtain this coverage. If you are interested in a quote, please complete our online form, or contact us.
About Swiss Village Insurance
At Swiss Village Insurance, our licensed experienced agents are at your fingertips to answer questions, update your policies and review your coverage. Our agency gives excellent service at competitive prices. Because we sell policies from more than one company, our customers enjoy the broadest range of coverage at the lowest cost.
We offer a wide variety of coverage including: auto insurance, SR-22 insurance, motorcycle insurance, boat insurance, ATV insurance, RV insurance, classic car insurance, business insurance, life insurance, home insurance, renters insurance, condo insurance, landlord insurance, farm insurance, flood insurance, dwelling fire insurance, mobile home insurance, AAA membership, event insurance, umbrella insurance, and valuables insurance.