Getting insurance for your new motorcycle is one of the most important steps to take after purchasing it. Proper coverage ensures you’re protected financially in case of an accident and helps you stay compliant with legal requirements. However, not all motorcycles are automatically covered under standard policies. It’s essential to understand the nuances of motorcycle insurance and determine whether your specific bike is eligible for coverage. Here’s what you need to know about motorcycles that insurance might not cover, and how Oliver Insurance in Canby, OR can help you find the right policy.
Could Motorcycle Insurance Refuse to Cover My Motorcycle?
While most motorcycles are covered by standard motorcycle insurance, there are two scenarios where coverage might be denied:
- Specialized Use: If your motorcycle is used for specific activities, such as stunt work or commercial purposes (e.g., delivering food), traditional motorcycle insurance providers may reject coverage. These activities are considered high-risk and fall outside the scope of personal-use policies.
- Heavily Customized Bikes: Motorcycles with extensive customizations may be challenging to insure due to their increased value and unique features. Standard policies may not account for the added components, but you can customize your insurance with add-ons to ensure proper coverage.
In both cases, working with an experienced insurance provider can help you explore specialized policies or add-ons to meet your needs.
Get the Right Motorcycle Coverage With Oliver Insurance
At Oliver Insurance in Canby, OR, we’re dedicated to helping you find the right motorcycle coverage, whether it’s a traditional policy or one tailored to your specific needs. Start your insurance journey with us today to simplify the process. Compare quotes now and get the protection you deserve!
