Benefit of Harley Davidson Insurance | Motorcycle Insurance Policy

Harley Davidson Motorcycle Insurance Policy|Benefits

Harley-Davidson company is located in Milwankee, Wisconsin in the United States of America, and was founded in 1903 by the William C. Davidson family. The Harley-Davidson company is corporately founded by William S. Harley, Walter Davidson, Arthur Davidson, and William A. Davidson. 

The Harley-Davidson company was incorporated in 1907 with Walter Davidson as its President, Arthur Davidson as the general sales manager and the secretary, William Davidson as the works manager, and William Harley as the chief engineer and treasurer. Harley-Davidson company is a motorcycle company. 

Harley-Davidson insurance is a branch of the Harley-Davidson company. Harley-Davidson insurance ensures that you get the best insurance plan for your motorcycle to put you back on the road when something unexpected or dangerous happens to your motorcycle. Harley Davidson insurance is the right motorcycle coverage that provides trusted and reliable motorcycle insurance agency. Harley Davidson insurance comes with so many discounts in its policy.

Harley Davidson Insurance

Harley-Davidson(r) Insurance Services provides this service as the trusted biker insurance agency who knows everything there is to know about the biker lifestyle, and backs up its policies with industry-leading service, coverage, and support. 

Harley-Davidson (r) Insurance Services offers the best motorcycle insurance to fit your riding needs, while offering a wide variety of savings with Harley-Davidson(r) insurances already competitive rates. 

We encourage you to compare your Harley-Davidson insurance quotes with the quotes offered by competitors, as well as with the average cost of motorcycle insurance in your state, before you commit to coverage. 

To choose the best motorcycle insurance companies on the market, we looked at factors that we believe are important for consumers, including discounts, coverage, add-ons, claims processes, and customer satisfaction.

We offer a variety of different types of motorcycle insurance coverage options, ranging from basic liability coverage all the way up to comprehensive coverage. 

Most states require coverage for motorcycles, and policies can vary between several hundred dollars up to $2,000. Most insurance companies provide a standard discount for taking a motorcycle safety course and purchasing more than one policy. Harley-Davidson offers replacement cost insurance that you can add to your motorcycle insurance policy.

In addition to standard motorcycle insurance coverages such as Comprehensive, Collision, Liability, Uninsured/Underinsured Motorist Protection, and Personal Injury Protection, Harley-Davidson also offers additional coverages you can add to your bike insurance policy. 

HD Insurance is not limited to Harley-Davidson bikes only, meaning that you can get bike insurance with Harley-Davidson no matter which type of bike you are riding. Even if you do not require the above-mentioned extra services and products, such as Harley Davidson credit, HD offers excellent coverage options and discounts with their HD Insurance policies. 

For example, someone who enjoys customizing his or her motorcycle will benefit from the HD Insurance Optional Equipment Replacement Costs coverage.

Policyholders have the ability to add additional coverages to their HD insurance policies, and many can be beneficial for particular types of motorcycle riders. 

In addition to standard offerings, Markel has various options for extra coverages, such as allowing customers to cover trailers, and also providing coverage for mechanical breakdowns. Additional coverage is also available for any accessories or modifications that you have made on the bike, too. Allstate also has great add-ons to its motorcycle insurance, including rental/loan gap coverage and first-accident waiver.

Rental waivers may be helpful if your motorcycle is the only mode of transportation that you rely on for getting to work or school. Harley-Davidson(r) Insurance offers more than just great coverage, we also offer savings with discounts including discounts on more than one motorcycle, easy payments, rider group membership, home ownership, and even a loyalty discount, among several others. Us occasionally offers a premium or extra placement on our website and our marketing materials to our advertising partners. Any references on our site to third-party trademarks are intended to identify a relevant third-party product and/or service.

Our sales team is dedicated to making your motorcycle buying experience as enjoyable, as fun, as productive as possible. For instance, when the ranking of companies is subjective (meaning the two companies are extremely close), our promotional partners can be higher on the list. 

However, if you are looking for the cheapest coverage on the market, you might be better off choosing a competing vendor.

Premiums fluctuate with little notice, and your monthly payments could increase dramatically depending on where you are at in the years of coverage, should you change policies. Three times higher than the Foremost Insurance policies yearly premium, Foremost provides broader coverage. Simply put, there is a policy for almost every rider, and a policy to cover almost any make and model - other brands of motorcycles, too. Uninsured Motorists Bodily Injury Insurance helps to cover medical costs should you get into an accident with a motorist operating an illegal vehicle with no state-required insurance.

Benefit of Harley Davidson Insurance


Asides being a reliable and trusted motorcycle insurance agency, they are several other benefits which accompanies a Harley-Davidson motorcycle insurance policy. They include:

  1. Proper replacement of parts with genuine parts.
  2. Members insurance discounts.
  3. Qualification into Harley Davidson Riding Academy.
  4. Accessories Insurance Coverage
  5. The Harley family advantage
  6. Motorcycle Accident Forgiveness

1. Proper replacement of parts with genuine parts

Under the Harley-Davidson insurance policy, the insured has the advantage of having the damaged parts in his or her motorcycle replaced with genuine Harley-Davidson manufacturer's parts in order to assist the insured while providing and promoting good customer service.

2. Members insurance discount

As a H.O.G (Harley Owners Group) member, they are several benefits you are entitled to. As a Harley Owners Group member, you have a special discount in your insurance policy in the following circumstances:

  • As a retired or active military personnel, a retired or active law enforcement agent, you are entitled to a discount in your insurance policy.
  • You will be rewarded with an anti-theft discount for using theft-deterrent devices such as an audible alarm or LoJack.
  • You will receive a multi-cycle discount when insuring more than one motorcycle.
  • You will also receive a discount for being a loyal customer for more than one year.
  • You will receive a discount for purchasing additional Harley Davidson Insurance products, such as planned maintenance.
  • You will also receive a discount for renewing your Harley Davidson Insurance policy if you were not at fault in any accident that may have occurred during the previous Insurance policy period.
  • You will receive a discount if you are a prompt payer when renewing your Insurance policy.
  • A home owner who owns a house, condo, townhouse, mobile home or modular home whose home is insured with the home owner's insurance may qualify for a discount on his or her motorcycle.
  • You will also receive a discount as a new rider for taking the H-D Riding Academy New Rider Course and completing the course.
  • You will receive a discount based on the number of years you have been an experienced licensed rider.
  • You may qualify for a discount as a H.O.G (Harley Owners Group) member for having a motorcycle endorsement on your motorcycle for completing an approved riding class.

3. Accessories Insurance Coverage

Harley Davidson Motorcycle Insurance Coverage is available for a wide range of motorcycle types. They include:

  • Standard
  • Cruiser
  • Touring
  • Sportster
  • Street Rod
  • V-Rod
  • Autocycle
  • Scooter/Moped
  • Dual purpose
  • CVO
  • Trike
  • Sport bike
  • Sport touring
  • S Series
  • Softail
  • Dyna

4. Motorcycle Accident Forgiveness

 At Harley Davidson, all new policies apply, and the policy must be in place for at least 12 months before an accident can be forgiven (at next renewal) and there are no other waived accidents on the policy for the policy term.


To many, motorcycle’s appearance is as important as its performance. With Harley-Davidson Appearance Protection, your motorcycle can kept to be looking as good as the day you rode out of the dealership. Harley-Davidson Protector treatments insures against circumstances you may encounter on the road, safeguarding your motorcycle’s most important paint, chrome, leather and vinyl surfaces.

Paint and Chrome Protector protects your motorcycle from cracking/peeling paint, loss of gloss, damage caused by insects, bird droppings, tree sap, sun exposure, etc.

Leather and Vinyl Protector repels stains, and defends your motorcycle against weather-induced or ultraviolet-induced weakening of the leather/vinyl that may result in cracking, loose stitching, rips or tears.

If covered damage occurs, affected areas will be repaired and resurfaced, restoring your paint, Chrome, leather and vinyl to its original condition. This protection provides real peace of mind.


It is important to keep up with regular maintenance no matter how many miles you ride. Maintenance scheduled in accordance with Harley Davidson factory recommended services is meant to protect your motorcycle from experiencing any unexpected breakdown. 

Harley-Davidson Planned Maintenance supports your factory warranty and ensures that your motorcycle stays in road-ready shape. Maintenance of motorcycle is done by trained Harley Davidson dealership technicians using only genuine Harley Davidson genuine motorcycle parts and accessories

Also Read: Italian Government Scholarships For Foreign Students 2022

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