There are also specialty policies that can be purchased by motorcyclists that benefit their unique needs:
In a severe accident, your bike could be damaged to the extent that it cannot be repaired or is deemed a total loss by your insurance agency. Total loss means that the cost of repair will surpass the cost of a new bike. In this situation, with motorcycle insurance, you can get enough investment to buy a new bike.
Accessory & Apparel Coverage
Many bikers put a lot of money into the appropriate gear and accessories for enjoyable riding. An accident can lead to a loss of your helmet, boots, riding leathers (e.g. jacket, vest, chaps, etc.), rain gear, and gloves as well as bike accessories like windshield, foot pegs, and backrests.
Motorcycle Trip Interruption Insurance
Covers meals, lodging expenses, and alternate transportation home if a covered loss occurs 100 miles or more from home. Also includes Towing and Emergency Road Service if your bike breaks down while on your trip.
Custom Motorcycle Insurance
Limited edition bikes, trike conversions, and other customized cycles deserved to be adequately covered while on the road or while on display at a bike show.