And the insurance needs are different, too.
That's why Safeco designed a motorcycle policy that's different—not only from our auto coverage, but also from other motorcycle policies. Whether you've got a cruiser, touring bike, even an ATV or snowmobile, we've got something for you. Here are a few things to know about motorcycle insurance, and a few reasons why Safeco is better.
Every motorcycle policy should cover things such as liability for bodily injury if you cause an accident, coverage for passengers on your bike and also any damage you cause to someone else's vehicle or property. You'll also want uninsured/underinsured motorist coverage, in case you're in an accident with a driver who doesn't have insurance (and there are a lot of those).
Optional coverages can provide a lot more protection for you, your ride and your passengers. Comprehensive coverage will help pay for repairs or a replacement if your vehicle is damaged by something other than a collision, or if it's stolen. Collision will help pay for repairs to your motorcycle if it's damaged in an accident. And medical payments can cover hospital and other care expenses for you and a passenger, whether or not you caused the accident.
We know motorcycles—because a lot of us are riders ourselves. And we've built in some great features and discounts that you won't always find in other policies:
- Safety-apparel coverage. We’re dedicated to safe riding, so this is automatically included, even for liability-only policies (which is unique in the industry). It means if you have an accident that damages your helmet, jacket, boots, gloves or other safety apparel, it's covered up to $1,000 per person—with no deductible.
- New Harley-Davidson replacement. There's something special about a Harley, and if you've got a new one, two-year replacement-cost coverage is automatically included with your policy.
- Custom parts coverage. Riders love to make their bikes their own, whether it's with custom paint, saddle bags or other accessories—that's why we automatically provide $3,000 in custom parts coverage at no extra charge. And if your ride is really unique, you can get additional coverage up to $20,000.
- Robust discounts. We give you a lot of ways to save on your motorcycle coverage. You can receive discounts for your riding experience, taking approved motorcycle-safety courses and even storing your bike in a locked garage.
For many people, riding is about a unique feeling of freedom. The protection of a Safeco motorcycle policy can add to that—giving you the freedom to ride without worry. Learn more at or contact your independent agent for a quote today.
A Safeco Package includes a single loss deductible. In the event that a customer experiences a significant loss that is covered by their Safeco Home Policy, deductibles for other Safeco policies also affected may be waived once the home deductible is paid.