Motorcycle Insurance Coverages

The east coast offers some of the most beautiful driving views in the world, so it comes as no surprise that so many Nova Scotians require motorcycle insurance. Motorcycle insurance coverage is flexible and offers a variety of policy options depending on your motorcycle, lifestyle, experience, and budget.

At Cluett, we work with our clients to evaluate their individual needs and find the best rates and protection for you.

Motorcycle insurance coverage falls under the categories of:

• Liability: Protecting yourself from financial blame if damage or injury is caused to others while riding your motorcycle.
• Accident/Collision: Coverage for yourself and your motorcycle in the event of a collision.
• Extenuating Perils: Weather, theft, vandalism, and other individual perils which result in the damage or loss of your vehicle.

Within these categories, there is basic and extended motorcycle insurance coverage. Your motorcycle insurance quote will be based on the type of coverage you choose and any add-ons you select for your policy.

While motorcycles are common in Nova Scotia, there are always risks on the open road. Motorcycle insurance protects you in the event of an automobile accident and protects your property, passengers, and others involved.

Within your motorcycle insurance estimate, your insurance broker will break down the bespoke forms of coverage in your policy, including:

• Accident Benefit: This protection offers coverage toward medical bills, or in the event of death, funeral costs, for you and your family. If you are injured or killed while riding your motorcycle, accident benefit covers costs.
• Direct Compensation: When you are not at fault, direct compensation coverage ensures your expenses are covered.
• Liability: Whether you have a passenger, an accident involves another party, or their property third-party liability protection protects you against costs toward injury or property damage.
• Uninsured: If you are in an accident with an uninsured driver, your uninsured coverage offers protection against costs associated with damage to you and your vehicle.

Motorcycle insurance coverage protects you as a rider, passengers on your motorcycle, your vehicle, and in extended policies, any property damaged in a collision with your vehicle.

When you select motorcycle insurance coverage with Cluett, you will also be offered unique extensions to the basic motorcycle insurance coverage mentioned above. Depending on your location, the amount of time you spend on your bike, and your experience as a rider, you may want to add extra protection like:

• Comprehensive: Comprehensive motorcycle insurance coverage covers all forms of damage to your motorcycle outside of standard insured collision damages.
• Specific Perils: If your bike goes missing, is damaged by weather such as hail, wind, flood, or fire, or is vandalized, specific perils insure your motorcycle against these specified issues.
• Collision: If your motorcycle is in an auto accident, a collision policy covers the costs of damage to your bike.
• All Perils: Unlike specific perils which cover individually listed perils in your insurance policy, all perils covers everything within the collision, comprehensive, and specific perils coverage packages.

• Bundle your insurance with us
• Install the right anti-theft systems
• Take a motorcycle safety course
• Finding the right coverage

If you are interested in learning more about Cluett’s motorcycle insurance, we invite you to contact us for a motorcycle insurance estimate today. Our experienced brokers are always happy to answer any questions big or small. Call us today at 902-466-5328.