At Harley-Davidson® Insurance Services, we believe in the value of riding with friends and family. But we also know that, unfortunately, accidents happen. With Guest Passenger Liability, your passenger will receive coverage for bodily injuries sustained on your bike when the operator is at fault.
When an at-fault accident results in injury or death to others, Bodily Injury Liability coverage can help protect you. This coverage can pay for medical expenses, lost wages, pain, suffering, or death.
If an at-fault accident causes damage to another person’s property, this Harley-Davidson® Insurance coverage can help protect you.
You want to protect your motorcycle from damages not covered by collision, such as theft, fire, or vandalism. With Comprehensive coverage, you’ll be prepared for the unexpected.
Collision provides the extra coverage you might need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle.
We get it—not every motorcycle ride goes smoothly. Mechanical or electrical breakdowns can happen, and you’ll need help. You can get 24-hour towing and roadside service with Harley-Davidson® Insurance Roadside Assistance coverage for fluid shortages (fuel, oil, water), battery failures, lock-outs (lost key), or flat tires.
At Harley-Davidson® Insurance Services, we want to help you protect the investments you’ve made in modifying your bike. Our Optional Equipment coverage protects equipment on your bike that is not factory standard. Your bike's manufacturer defines equipment as standard by the Vehicle Identification Number (VIN).
Want to rent a bike just for the fun of it? Get the same level of coverage on a rental motorcycle from a licensed facility or dealer as you would on your own bike with our Vacation Rental coverage.
If your motorcycle is a total loss, you can get it replaced—and not at the depreciation value—with Replacement Cost coverage from Harley-Davidson®.
If your motorcycle is a total loss—and your optional equipment also needs to be replaced—you’re covered for the replacement cost of that equipment with Optional Equipment Replacement Cost coverage.
Uninsured Motorist Bodily Injury coverage from Harley-Davidson® Insurance helps pay for bodily injuries you suffer in an accident in which the owner or operator of an uninsured motor vehicle is at fault.
Underinsured Motorist Bodily Injury coverage may provide coverage for your bodily injury damages if you’re involved in an accident in which the at-fault operator carries insufficient insurance.
This coverage provides protection for your insured motorcycle when it’s damaged as a result of an accident in which an uninsured operator is at fault.
If you’re involved in an accident in which the at-fault operator doesn’t carry enough insurance to cover the damage to your motorcycle, our Underinsured Motorist Property Damage may provide additional coverage for damage to your motorcycle.
Is your motorcycle your only mode of transportation? How will you get around if it’s undriveable due to an accident? With Rental Reimbursement coverage from Harley-Davidson® Insurance, we’ll pay for eligible transportation expenses in qualifying circumstances.
The coverage is in the name—if you’re in an accident, our Medical Expense coverage can help both you and your passenger with medical expenses.
Personal Injury Protection provides coverage for medical expenses, up to a specified limit, for the insured or any other eligible person as the result of an accident—regardless of who was at fault. This usually includes coverage for non-medical expenses, such as wage loss and death benefits. Coverage availability is limited in some states. Your options will be explained during the quote process.
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Coverages and requirements vary by state. See your policy for complete coverage details.
Ask your Harley-Davidson® dealer about Extended Service Plans, Theft, Planned Maintenance, Appearance Protection, and other Harley-Davidson.
Choose the Harley-Davidson® card that is right for you. With benefits inspired by riders for riders, you also earn points on eligible purchases that can be redeemed for H-D™ apparel, parts, service and more.
Get flexible rates, terms, and financing options designed for H-D™ motorcycle owners. Military and H-D Riding Academy New Rider Course graduate financing programs are available as well through Harley-Davidson® Financial Services.
