A sport bike is a type of motorcycle designed and optimized for acceleration, speed, cornering, and braking with asphalt and concrete roads or race tracks in mind.
Out of all road-legal motorcycles available, sport bikes are considered the fastest. They tend to be made with lightweight frames, typically aluminum and other lightweight materials. This boosts their side-to-side maneuverability.
Although most sport bike manufacturers concentrate on high speeds and fast acceleration, some sub-categories of sports motorcycles are available. A good example here is sport touring bikes, which are designed for longer trips.
With Harley-Davidson® Insurance, we have made it easy to find the right sport bike insurance plan for you, as we have a broad range of coverages and add-ons available. Some of our most popular options include:
You can benefit from Replacement Cost coverage if your sports bike is beyond repair and deemed a total loss. While many firms only offer replacement costs based on depreciation, this coverage will replace your bike at its full value.
This coverage is available when your motorcycle has not been previously owned at the time of your purchase and is a current model year or one year older than that.
Comprehensive coverages ensures protection for damage to your bike from a wide range of causes including vandalism, fire, and theft.
Accessories coverage protects custom or additional parts and accessories added to a motorcycle that are not factory standard as defined by the VIN (Vehicle Identification Number).
This protects against damage or theft and covers the cost of repair or replacement without requiring the policyholder to bear the full financial burden themselves.
Some insurance companies may title this accessories coverage "Optional Equipment."
Customizing your sport bike to add value differs from personalizing it for comfort. Optional Equipment Replacement coverage provides financial protection from the cost of damaged optional equipment added to a motorcycle, including high-performance parts, chrome accents, and aftermarket exhaust systems.
If the equipment is damaged or destroyed in the same event that results in the motorcycle being a total loss, the policyholder will receive full compensation to replace it.
There are many reasons why Harley-Davidson® Insurance makes sense - even if you’re not riding a Harley-Davidson® motorcycle:
We provide insurance for most motorcycles not only Harley-Davidson® bikes.
From completing a safety course and military/law enforcement discounts to multi-bike discounts, you can save in multiple ways with Harley-Davidson Insurance Services.
We cannot provide insurance in Alaska, Hawaii, or Washington, D.C. However, you'll be insured if you reside in any other state but want to use your sports bike in one of these states.
If you’re involved in an incident, it will not automatically result in a rise in your insurance premiums.
