Basic motorcycle coverage is insufficient to provide adequate insurance for your riding needs. This is why it’s critical that you take the extra step of customizing your motorcycle insurance with add-on coverages. Here are some common riders you can add to your basic motorcycle policy in Moberly, MO
Common Riders to Add to a Motorcycle Policy
1. Pillion Cover
Do you plan to ride your bike with a passenger at the back? Then, you will need to add a pillion-cover rider to your motorcycle insurance. This will cover the passenger in case they get injured while on your bike. If you don’t take this coverage, you will be liable if your pillion is hurt while riding at the back of your bike.
2. Insurance for Modifications
Part of the fun of owning a motorcycle is being able to customize it. If you will be investing in modifying your bike, you will need to purchase insurance for modifications coverage to protect. Your standard motorcycle coverage will not cover any damage or theft of the modifications you do on your bike. At Swartz Premier Group Insurance, we suggest you review your insurance for modifications and rider coverage anytime you add new modifications to your bike.
3. Helmet and Leathers
Motorcycle gear can be expensive to replace if it’s damaged in an accident. However, standard motorbike insurance doesn’t cover your gear, only your bike. Getting the helmets and leather coverage for your standard bike insurance will allow it also to cover your riding gear.
4. Breakdown Cover
Every biker fears having their motorcycle break down in the middle of nowhere. To be safe, you will need to get the breakdown add-on cover. This rider policy will cover the cost of roadside assistance and recovery if your bike breaks down on the road.
Are you seeking motorcycle insurance with useful rider coverages in Moberly, MO? Contact Swartz Premier Group Insurance today.
