How do you choose the right motorcycle insurance for your Harley?
A Harley Davidson is one of the most iconic motorcycles you can ride. Harley Davidson's distinctive style is instantly recognized by everyone. In addition, these motorcycles are known for the long touring trips that are made with them. Therefore, quality is also paramount at Harley Davidson. However, this is also reflected in the price. Indeed, the average (new) Harley starts at a price of around €10,000. It is understandable that you want to have this purchase well protected.
But which insurance is best for your Harley? In this blog, Alpina explains which motorcycle insurance is best for your Harley Davidson.
Why have motorcycle insurance for your Harley?
You purchase motorcycle insurance primarily to protect yourself from high costs. When you cause an accident, it can cause a lot of damage to another person. The cost of this damage will be recovered from you. When you have insurance, your insurer will reimburse you for the damage you cause to another person. In principle, you must pay for damage to your own Harley yourself.
Don't want to be responsible for damage to your own Harley? Then you can take out All-Risk insurance. This also covers the damage you cause to your own Harley. This is in contrast to the WA and WA Limited Casco insurance. These two insurances only compensate the damage suffered by another person or caused by theft or fire.
In addition, without taking out at least third-party insurance, you may not ride your Harley on public roads. In fact, this insurance is required by law.
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The best motorcycle insurance for your Harley
Now that you know what insurance policies are available, it is important to know which one is the best fit for your Harley. The insurance you choose depends on a number of points, which are explained below.
Age and value of your Harley
The choice of insurance often depends on the age of a Harley. For new models, All-Risk insurance is usually taken out, due to the higher value of the motorcycle. After all, All-Risk insurance is considerably more expensive than third-party insurance. Older models are only insured All-Risk, if the value of the Harley is high enough.
Using your Harley
How you use your Harley may factor into your choice of insurance. If you use your Harley little to not at all, you run less risk of an accident, than if you use your Harley almost every day. With frequent use, it is recommended that you purchase All-Risk insurance.
Get your Harley insurance through Alpina
Do you want to get insurance for your Harley? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance for the right price. You can easily have your premium calculated by using the online tool. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
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