Motorcycle Insurance

Coverage Built for the Way You Ride.

Whether you ride every weekend or only when the weather cooperates, Briteline can compare motorcycle insurance options for your bike, liability, accessories and riding needs.

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Protect More Than Just the Bike

Motorcycle insurance can protect the motorcycle itself while also providing important liability and injury-related protection.

Liability

Helps protect you financially if you are legally responsible for certain bodily injury or property damage resulting from a covered motorcycle accident.

Collision

Helps pay for covered physical damage to your motorcycle after a collision, subject to your deductible and policy terms.

Comprehensive

Helps protect against certain non-collision losses such as theft, vandalism, fire, hail and other covered causes of loss.

Uninsured Motorist

Coverage may help protect you if you are injured by a driver who has no insurance or, depending on the policy, insufficient insurance.

Make Sure the Policy Understands Your Bike.

Motorcycles can vary dramatically in value, equipment and customization. A stock commuter bike and a heavily customized touring motorcycle may need very different coverage.

Tell us about accessories, modifications and equipment when requesting a quote so available coverage can be structured around the motorcycle you actually own.

Have Custom Parts?

Don't Assume They're Fully Covered.

Policies can limit coverage for custom equipment, accessories and aftermarket parts unless additional coverage is included. If you've invested in upgrades, make sure they're disclosed before relying on the policy.

Motorcycle Coverage Options Worth Reviewing

Availability varies by insurance company, motorcycle and rider, but these are some of the options worth discussing.

Custom Parts & Equipment

Additional protection may be available for qualifying aftermarket parts, accessories, paint and other custom equipment beyond standard policy allowances.

Riding Gear

Some motorcycle policies may provide or offer coverage for helmets, jackets and other qualifying riding equipment, subject to policy limits.

Roadside Assistance

Coverage may be available for towing and certain roadside emergencies when your motorcycle becomes disabled.

Total Loss Protection

Some carriers offer enhanced settlement options for qualifying newer motorcycles after a covered total loss.

Passenger Protection

Motorcycle policies can differ in how passenger-related injury protection is structured, making it important to review the policy rather than assuming coverage.

Higher Liability Limits

Higher liability limits can provide more financial protection after a serious accident and may also help support a broader personal umbrella insurance program.

Why Riders Work With Briteline

Motorcycle rates and underwriting can vary significantly by carrier, bike type and rider profile.

Multiple Markets

Briteline can compare available motorcycle insurance options across multiple carriers rather than limiting you to one company's pricing.

Coverage That Fits

We can review bike value, accessories, deductibles, liability limits and optional protections so the policy fits the way you actually ride.

Household Review

Motorcycle insurance can be considered alongside your auto, home and umbrella coverage so your overall liability protection works together.

Motorcycle Insurance FAQ

Is motorcycle insurance the same as auto insurance?

No. Although many coverage concepts are similar, motorcycle policies are specifically designed for motorcycles and can include different coverage options, exclusions and underwriting requirements.

Does motorcycle insurance cover theft?

Theft may be covered when comprehensive coverage is included, subject to the policy's deductible, terms and exclusions.

Are custom motorcycle parts automatically covered?

Not necessarily. Policies may provide a limited amount of custom-equipment coverage, while higher-value modifications can require additional protection. Tell us about upgrades and accessories when the policy is quoted.

Do I need coverage when I don't ride during the winter?

Even when a motorcycle is stored, exposures such as theft, fire and other physical damage can remain. Financing or registration requirements may also matter. Canceling coverage seasonally can create unintended problems, so discuss your situation before changing the policy.

Can I insure more than one motorcycle?

Yes. Many carriers can insure multiple motorcycles on the same policy, subject to eligibility and underwriting requirements.

Can motorcycle insurance work with my umbrella policy?

Potentially. Personal umbrella carriers may have specific requirements for motorcycle liability limits and eligibility. If you carry or are considering an umbrella policy, disclose every motorcycle in the household.

Does my motorcycle policy cover passengers?

Coverage for passenger injuries depends on the policy and applicable coverages. Motorcycle insurance should be reviewed carefully if you regularly carry passengers.

Your Bike Isn't Generic. Your Insurance Shouldn't Be Either.

Tell Briteline what you ride, how you use it and what you've added to it. We'll compare available motorcycle insurance options and help you find coverage that fits.