Are you looking to buy insurance for your motorcycle? Have you heard of Harley David Insurance but are unsure whether it is the right fit for you?
This article will help you make a knowledgeable decision as it scrutinizes the details and thoroughly examines the coverage, discounts, and claims offered by Harley Davidson Insurance.
Founded in 1903, Harley-Davidson Motor Company is an iconic American Motorcycle manufacturer and is one of two major motorcycle manufacturers that survived the ill effects of the Great Depression. The other one is its main age-long rival – Indian Motorcycles.
They are famous for their chopper motorcycle style and have a wide variety of motorcycles, including heavyweight motorcycles (above 700cc), VRSC, and middle-weight Street platforms.
They are headquartered in Milwaukee, Wisconsin, USA, and have manufacturing plants across the globe, including USA, Brazil, India, and Thailand.
They market their products globally and offer a wide range of products apart from motorcycles, including licensed merchandise such as apparel, home décor, accessories, toys, scale models, and video games.
Company Name | Harley Davidson, Inc. |
Founders |
|
Year Founded | 1903 |
Headquarters | Milwaukee, Wisconsin, USA |
CEO | Jochen Zeitz |
Number of Employees | 6300 |
Market Cap | $5.33 billion |
Revenue | $5.75 billion |
Website |
Harley Davidson offers some additional products and services in partnership with other entities with the concerns of the motorcycle riders in mind. They are:
Harley Davidson Insurance, popularly known as HD Insurance, has been offering an insurance service for the last twenty years for your motorcycles so that you can ride in peace without worrying about any costs related to any damages, repairs, and maintenance.
It offers insurance for not only all Harley models but all motorcycle types of any other make and model. The insurance is designed to offer coverage and range of money-saving discounts to anyone who uses the motorcycle as a primary mode of transportation, does a lot of customization, or needs additional premium benefits.
Harley-Davidson Insurance Services, Inc. is a Nevada domiciled Insurance Agency (NV#5597). It is an affiliate of Harley Davidson, Inc. The insurance products are underwritten, and a member of the Sentry Insurance Group, Stevens Point, WI, handles claims.
They are available across the country in 48 states with a few exceptions. They are not present in Alaska, Hawaii, and Washington, D.C.
Designed to cater to the unique concerns of motorcycle riders, Harley-Davidson Insurance offers some of the best protection to motorcycles and their riders. They offer a wide range of coverages as part of the insurance policy.
The valuable and flexible coverages are designed to suit the needs of the riders, including coverage for additional accessories added on your bike, coverage for medical expenses for the owner and the co-passenger of the motorcycle, 24×7 roadside assistance, etc.
The types of motorcycles covered by this insurance are as follows:
The wide range of coverage options offered by this insurance are as follows:
Accidents are a hard reality, and unfortunately, they do happen. Sometimes, the riders and their friends or family may also be involved in the accidents. As Harley Davidson is a strong advocate of family values, their insurance offers Guest Passenger Liability, where the co-passengers will receive coverage for their bodily injuries when it is the operators’ fault.
With the help of the Bodily Injury Liability coverage, the insured person is protected from the medical expenses incurred when at-fault accidents may lead to an injury or death of others. It covers the following:
The Property Damage Liability coverage by this insurance protects the insured if the damage is caused to a property belonging to another person due to an at-fault accident.
If your motorcycle hits or is hit by another object or vehicle, the Collision Insurance Coverage protects you from paying anything for the damages.
The comprehensive coverage protects the motorcycle from unexpected damages beyond collision, such as theft, fire, or vandalism.
If the motorcycle faces any mechanical or electrical breakdowns, then the Roadside Assistance coverage by this insurance provides 24×7 towing and roadside service. The roadside assistance covers the following situations:
If you have modified your bike, making a huge investment, then Harley Davidson Insurance also offers protection for that equipment with the help of Optional Equipment Coverage. This coverage protects equipment that is not factory standard, i.e., standard equipment as defined by the Vehicle Identification Number (VIN).
With the help of Vacation Rental Insurance, motorcycles rented from a licensed facility or a dealer get the same level of coverage as you would for your bike.
If your motorcycle is beyond repair and a total loss, then you can get it replaced (not at depreciated value) with the Bike Replacement Cost Coverage by this insurance.
If your motorcycle is beyond repair and a total loss, and even your optional equipment needs a replacement, then Optional Equipment Replacement Cost is the one to go for. The optional coverages include the cost of the replacement of the equipment to be replaced.
Suppose an accident occurs due to the fault of the owner or the operator of an uninsured motor vehicle. In that case, the Uninsured Motorist Bodily Injury coverage helps pay for the bodily injury the insured suffers due to that accident.
If the at-fault operator of the vehicle that caused the accident carries insufficient insurance, then the Underinsured Motorist Bodily Injury coverage may pay for the bodily injury damages of the insured.
If the motorcycle is damaged due to an accident caused by an uninsured operator, then the Uninsured Motorist Property Damage coverage offers protection for the insured motorcycle.
Suppose an accident is caused by an operator who doesn’t carry sufficient insurance to cover the costs of the damage caused by the accident to your motorcycle. In that case, the Underinsured Motorist Property Damage coverage may provide additional coverage for the damage caused to your motorcycle.
If you use your bike as the primary mode of transportation, and if it is damaged and not drivable due to an accident, then the Rental Reimbursement Coverage pay for the expenses of eligible transportation in qualifying circumstances.
The Medical Expense Coverage covers the medical payment of the expenses of the insured and the co-passenger that may be incurred if they meet with an accident.
Personal Injury Protection covers the medical expenses (to a specific limit) for the insured and any other eligible persons that may be incurred due to an accident. It covers non-medical expenses such as wage loss and death benefits. This coverage may be limited in some states.
Harley Davidson offers quality insurance for your bikes with excellent service and support. They also offer a tremendous money-saving discount on the competitive rates of certain services. They offer discounts on motorcycle insurance for multiple bikes, group membership for rider groups such as Club EagleRider, loyalty discounts, etc.
The List of Discounts Offered are as follows:
If it’s time for you to get rid of your old bike and get a new one, or if it’s your first time buying a motorcycle, then our New Bike discount will save you a lot of money.
If you are a member of the prestigious Harley Owners Group or H.O.G., then you get a H.O.G. Member discount.
To get hold of the Motorcycle Endorsement discount from Harley Davidson, you need to complete an approved riding class and get a motorcycle endorsement.
If you are an experienced rider with a license, Harley Davidson respects that and offers a special Experienced Rider discount.
If you want to gain some skills as a new rider, then take the H-D Riding Academy New Ride course and receive a discount for completing the course. You are also eligible for a discount if you have completed other training/safety classes in the past five years.
You are eligible for a Home Ownership discount on your bike insurance if you own a house, condo, townhouse, mobile home, or modular home
If you are a diligent payer who makes all payments on time, you can save yourself with the Prompt Payer discount when you renew your policy.
Suppose you have not been involved in any accidents where you were not at fault in any of those accidents during the previous policy period. In that case, you qualify for a Claim-Free Renewal discount when you renew the Harley Davidson Insurance policy.
If you want to buy additional products apart from this insurance, such as planned maintenance, then take advantage of the Bundled Protection discount.
If you have been a customer of this insurance for more than a year, you are eligible for the Loyalty Discount, which you may avail of if you want to buy a new bike.
Are you an owner of multiple motorcycles? Then you can enjoy additional benefits with the Multi-Cycle Discount when you want to insure multiple bikes with Harley- Davidson.
If you want to install anti-theft devices like an audible alarm or LoJack, get hold of this insurance’s Anti-Theft discount to save money.
Harley Davidson greatly respects people who have served in the military or work in law enforcement. Whether you are active or retired military or law enforcement personnel, you can get hold of the special discount offered by them.
Whether you own a Ducati or Harley Davidson, it doesn’t matter. The insurance makes sure that the replacement parts and accessories are all genuine. It also ensures that an authorized Harley-Davidson dealership does the services for Harley bikes.
Note: Complete coverage details will be provided when you receive the policy documents.
Suppose you are involved in an unfortunate incident and need help with your claim. In that case, motorcycle claim specialists from Harley Davidson Insurance will assist you with your needs to experience a seamless claims process.
For any assistance regarding your claim, call 800-242-2464 and talk to a claims specialist about your issue. Alternatively, you can also file your claim online. The Claim Service is available 24×7 to assist you.
Call us at 800-242-2464 and talk to a knowledgeable motorcycle claims specialist. You can also file a claim online. Professional claims service is available 24 hours a day, seven days a week. Let’s get you riding again.
Are you involved in an accident? Then first and foremost – Stay Calm. Don’t leave the scene but try to move to a safe location. The team will assist you with what to do next.
It depends on the case at hand, as each one is different from the other. However, you don’t need to worry, as the claims specialist teams will guide you to get your bike fixed. You will receive continuous updates from the team about the progress until you get your bike.
You may often wonder what the logic of taking motorcycle insurance is, but the answer becomes clear when an unfortunate incident happens regarding your bike.
Harley Davidson is a bike specialist, and their bike insurance is equally good as their sole focus is on bikes. Their claim specialist and adjusters are experienced and will work to get your bike back on the road as quickly as possible
If you face any issues with your bike in the middle of the road, we won’t leave you stranded there and will get you to help with our roadside assistance service as soon as possible.
You can contact customer care to report a claim, as assistance is available daily.
Follow the steps to Get a Quote:
Now, we did a case study on getting a Quote. We selected a mid-aged male from West Virginia with an international license trying to get a Quote for a Harley-Davidson Sportster S without claiming additional benefits like H.O.G. membership, experienced rider discount, approved driving course, etc.
So, we got three Quotes:
1. Regular Quote
2. Mid-Grade Quote
3. Premium Quote
So, as evident from the quote we received, the policy value without most added beneficial add-ons varies from $976.81 to$1290.96. So, be it the standard or the premium policy Harley’s Insurance is quite expensive compared to other popular motorcycle insurance companies.
Although it provides premium benefits and quality service, still so much higher rate is not justified where its competitors, such as Ameriprise, are only charging about $750 and Allstate about $499 for an entire year.
So, it is quite an expensive affair, and many other options are available at a much cheaper rate. It is a good option for new riders.
Let us have a look at where Harley-Davidson stands against its competitors:
You will get the policy number once you have applied for the policy and got the documents after the verification, approval, and payment.
You will need this policy number to create an account at Harley-Davidson Insurance.
Go to Harley-Davidson Insurance Page and click “Account Login.”
Once the page loads, click “Create Account.”
You need to fill up all the information and click “Create Account” to create your account.
You must visit the Harley-Davidson Insurance Page and click “Account Login.”
As the login page loads, enter the “Email/Username” and the “Password” and click “Log In” to continue to your account.
To make a payment, you need to log in to your account that you must create after you have received your policy number.
You also have the option to pay without logging in to your account using Quick Pay, but you need to have your Policy Number with you.
The details are mentioned in separate sections:
You can contact Harley-Davidson Insurance Services at the following number for a Quote from a licensed agent.
Phone: 800-909-8393
Monday–Saturday: 7 a.m.–11 p.m. CT
Sunday: 8 a.m.–7 p.m. CT
If you have any Policy related questions, then call the following number:
Phone: 800-242-2464
Monday–Saturday: 7 a.m.–11 p.m. CT
Sunday: 8 a.m.–7 p.m. CT
For any claims, call the H-D™ Insurance Claims Hotline. The Harley-Davidson Insurance motorcycle claims specialists are there to assist you.
Phone: 800-242-2464
Available 24 hours a day/7 days a week/365 days a year
You can also log in to your account and claim from there.
You pay by calling us at 800-242-2464 or going to the Make Payment Page to pay by logging in or using Quick Pay.
Email: [email protected]
Visit the policy document submission page to submit policy documents.
For any detailed query or additional questions, you need to visit the insurance’s contact us page, scroll down, fill out the form, and submit it.
It depends on who you are getting the insurance. Harley Davidson’s motorcycle insurance policies can be pretty expensive with all the additional benefits compared to other insurance issuers. Still, they provide additional benefits for new riders, H.O.G. members, or other experienced riders.
Yes, Harley Davidson provides insurance through the Harley Davidson Insurance Company. The Sentry Insurance Group is the underwriter and the handler of claims for Harley-Davidson Insurance Services Insurance products.
Harley Davidson Insurance is a cheap motorcycle insurance because the probability of severe bodily injury or damage to property or other people at fault is much less likely for motorcycles. So, the liability costs are, and hence the insurance policies are also less costly.
The bike insurance policy cost from standard to premium tiers for brand new Harley-Davidson motorcycles without any additional benefit may cost anywhere between $1000 to $1300 annually. Adding benefits may significantly increase the insurance premium cost.
Standard and Dual Sports motorcycles are the cheapest to insure, Cruisers and Tourers fall in the mid-range, and Sports Bikes are the most expensive.
Read More:
So, Harley Davidson Insurance has many additional benefits apart from the standard coverages for the rider of all bike types and the motorcycle. It is especially suitable for new riders and specifically for Harley Davidson riders, as they are specialists in their own bikes.
It is premium insurance with 24×7 assistance and provides all kinds of help regarding accidents to claims, replacements to medical benefits, and road assistance to scheduling repairs.
It is also designed to provide additional discounts and benefits for H.O.G. members, experienced drivers, and drivers who have completed defensive courses or any related approved courses.
It is worth the try for new riders who enjoy the premium quality of service if all these additional services benefit you, or else many other options are available at a much lower price point.
Disclaimer: All the information presented in the article has been collected independently by BitMoneyAlpha and has not been reviewed or approved by Harley Davidson or the Sentry Insurance Group. The product information may vary. Please check the issuer’s website for the latest information. The statements and opinions expressed in this article belong to the author and do not necessarily represent the views or opinions of any insurance issuer. The content is for informational purposes only. It is not financial advice.
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