What Exclusions are Common on a Motorcycle Insurance Policy?

Sometimes it is just as important to know what is excluded from your insurance as much as what is included. Ask anyone who owns a motorcycle in Ponte Vedra Beach, FL and they will tell you insurance is massively critical. It can be dangerous on the open road, and you never know what will come next. With motorcycle insurance, though, there are standard exclusions our team at Palm Valley Insurance Inc. can educate you about.

Exclusions in Motorcycle Insurance

When you purchase a motorcycle, one of the first things you want to do is purchase insurance. Motorcycle insurance protects you if your vehicle is involved in a covered accident. What is not going to be covered, though?

  • Speeding – Speeding is one of the things that will exclude coverage from your motorcycle insurance policy. You will not get coverage if you suffer damage or a loss due to speeding.
  • Driving Another Motorcycle – Your motorcycle is the vehicle that has the coverage, not someone else’s. If you drive someone else’s bike, your motorcycle insurance will not apply.
  • Another Driver – If you have another driver on your motorcycle and they get into an accident, you will also not have coverage.
  • Lack of a License – If you are driving a motorcycle and there is an accident, a valid driving license is necessary to ensure coverage.

With all of the common exclusions with motorcycle insurance, you need to know what is covered and what is not. Serving the Ponte Vedra Beach, FL area, our team at Palm Valley Insurance Inc. can assist you in understanding the details of motorcycle insurance policies, including coverages and exclusions.