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  • Writer's pictureRolland & Associates

Essential Motorcycle Insurance Checklist for Getting Back on the Road

Whether you're a seasoned rider or a new motorcycle enthusiast, it's crucial to prioritize safety on the road. As the riding season approaches, ensuring your motorcycle insurance coverage is up-to-date and tailored to your needs is essential.


In this article, we'll provide a comprehensive checklist to help you navigate the world of motorcycle insurance and confidently get your bike back on the road.



#1. Update your insurance coverage

Taking your bike out for a spin after a brief hiatus is fun. However, you should never forget the importance of insurance.


Don't take the chance if you haven’t switched your policy back to the limits you usually carry on your vehicles. If you or someone else is injured, you’ll more than regret the choice, given the extent of liability involved. Also, you may need to update your coverage if there's been a significant change in the number of miles you ride.


#2. Safeguard your valuable assets by getting coverage for your bike and equipment

Here are some tips for protecting your bike and other related equipment:

  • Smoothly transition to a new ride

When it comes to insuring your motorcycle, one crucial consideration is new motorcycle replacement coverage. This type of coverage is designed to protect you in the event that your bike is deemed a total loss within a specific timeframe (often one or two years) from the date of purchase.

With new motorcycle replacement coverage, you can receive the cost of a brand-new motorcycle of the same make and model rather than the depreciated value of your bike at the time of the loss.

  • Custom accessories: preserve your personal touch

As a motorcycle enthusiast, you may have invested in custom equipment or accessories to personalize and enhance your riding experience. These modifications can include custom paintwork, exhaust systems, upgraded suspension, or specialty parts. When getting insurance, ensure that the policy covers the new upgrades.

  • Gear & personal belongings: protection beyond the bike

As a rider, you likely have a collection of gear and personal belongings essential for your safety and comfort while on the road. This can include helmets, riding jackets, gloves, boots, and communication devices.

While these items may not be directly attached to your motorcycle, they are still valuable and should be protected. Thus, check your policy to assess the coverage extent to avoid costly liability in the case of an accident.


#3. Get coverage for yourself and others

Regarding motorcycle insurance, coverage for injuries to others or yourself is a critical aspect to consider. Accidents can happen, and having the appropriate coverage ensures that you and others involved are protected financially.

  • Coverage for guest riders and yourself

As a motorcycle enthusiast, you may enjoy riding with friends, family, or other passengers. It's essential to have insurance coverage that extends to guest riders. Liability coverage is designed to protect you financially in case you cause injury to someone else while riding your motorcycle.

  • Third-party coverage

Motorcycle accidents can result in bodily injury to others, including pedestrians, cyclists, or occupants of other vehicles.


Liability coverage for bodily injury is crucial to protect you from potential lawsuits or claims resulting from these injuries. This coverage provides financial protection by paying for medical expenses, rehabilitation costs, and potential legal expenses if you're found liable for causing the injury.


Rev up your motorcycle protection With Rolland Insurance Solutions

Don't settle for less when it comes to protecting your prized possession. If you are ready to take your motorcycle insurance to the next level, we are here to provide top-notch coverage that suits your unique needs and keeps you riding with peace of mind. Get a quote.

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