Motorcycle InsuranceOur Motorcycle Insurance will keep your engines roaring on the road. Get your complimentary Motorcycle Insurance quote today!
- Cover Yourself in Case of a Theft or Collision
- Protection Against Third Party Injury or Damage Claims
- Know You and your Passengers are Covered with Accident Benefits
If you’re going to be riding a motorcycle on public roadways you need insurance. Leibel Insurance Group can offer a wide range of coverage for every type of motorcycle, and every driver. Even those without a class 6 motorcycle license!
Our knowledgeable brokers can recommend different options, so you can be sure you’re getting the coverage that’s right for you.
Motorcycle Insurance: Do You Really Need It?
If you’re going to take your motorcycle out on the road, you need to have liability insurance in place. This will protect you in the event you cause injury to another person, or damage someone else’s property.
Your liability insurance also includes accident benefits coverage, which is coverage for paying medical expenses if you or your passenger are injured in an accident.
Depending on your requirements, you can also purchase coverage to repair or replace your bike in the event of a collision or theft.
Collision coverage – this coverage will insure your motorcycle if you are involved in an accident with another unit, if the bike tips over, falls out of the towing trailer, if you have to lay the bike down or even damage your motorcycle by hitting a pothole. Your insurer will pay the costs of repair or replacement, subject to your deductible.
Comprehensive coverage – This coverage will pay for things like vandalism, theft, and hail damage, even if the motorcycle is left outside.
Premiums for Motorbike Insurance are determined by your age, level of experience, driving record, the size of the bike and value of the motorcycle. Taking motorcycle drivers training courses can help lower your premiums, as can insuring your personal automobile with us.
Professional Coverage From Your Motorcycle Insurance Experts
Here at Leibel Insurance Group. we can help you place coverage on standard motorcycles, custom builds, off road and dual purpose bikes. We work with a wide range of companies to ensure we can insure every driver and every motorcycle.
Additional coverages we can offer:
Emergency road side assistance – so you’re not stuck on the side of the road in the event of a break down. Coverage for a tow truck, gas, a battery boost, or even a tow to the nearest repair shop!
Guaranteed Replacement Cost Coverage – in the event your motorcycle is a total write off, we can replace it with the purchase price or the cost of a new bike. If this coverage is not purchased with your Motorbike Insurance policy, replacement would be based on the depreciated, actual cash value of the motorcycle.
Trip Interruption Insurance – Don’t let mechanic breakdown ruin the trip of the summer! Trip interruption coverage can help pay the additional costs of lodging and even alternate transportation if your motorcycle is disabled for the remainder of the trip!
At Leibel Insurance Group, we know you won’t be riding your motorcycle this December! That’s why we offer “seasonal rating” for our motorcycle policies. Seasonal rating is a way of calculating your premiums taking into account that you’ll only be riding your motorcycle for part or the year. The Motorbike Insurance policy is in place and in force for 12 months, but we reduce the premiums to factor in the winter months, so you’re not over paying!
Call us today for a no-obligation quote, and see what we can do for you!
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Motorcycle Insurance FAQs
Owning a motorcycle is fun, but safety is extremely important, as is a proper insurance policy, and Leibel Insurance Group can help in this regard. We will make sure you have the right coverage for your needs. The following are some of the most frequently asked questions we receive:
Who Needs Motorcycle Insurance?
What Kind Of Coverage Do I Need For My Motorcycle?
Third-party liability coverage is mandatory for anyone driving a motorcycle. This would provide you with coverage if you are legally responsible for a collision that causes damages, injury, or death to another person. You will also need Accident Benefits, as this, too, is mandatory and would provide benefits to you, some family members, passengers, or a pedestrian if they are injured or killed in a collision. You can purchase additional coverage like Collision and Comprehensive coverage, which would help pay for any repairs in the event that your motorcycle is damaged. This option is not mandatory but can be added to your policy to ensure your motorcycle is repaired under your policy.
Do I Need A Full Years’ Worth Of Insurance If I’m Only Going To Use My Motorcycle For A Few Months?
Yes, it’s better to have coverage for the full year and removing this from your existing policy will not actually provide you with any savings. Motorcycle insurance is rated a certain way so that you don’t have to worry about making changes every year. The majority of the premium will already be applied during the months your motorcycle is most used, which would be from April through to September.
Will Modifications To My Motorcycle Affect My Insurance Policy?
Some accessories and minor alterations will likely not affect your policy, so these can be added to your policy if you have the proper documentation. Major modifications, however, can impact your policy, and if these are made for the purpose of enhancing speed, your motorcycle may not be able to be insured.
Will My Insurance Apply To Passengers?
Most policies would provide benefits to your passenger if they were injured in an accident. Things like massage therapy, ambulance fees, and physiotherapy would be covered under these benefits.
Have more questions? We would be more than happy to help if you require motorcycle insurance, so contact us today for more information!