Rental Reimbursement ~ Motorcycle Insurance

If you rely on your motorcycle as your main mode of transportation, rental reimbursement insurance can be a wise choice!

This type of motorcycle insurance coverage is available from some insurance companies, usually as optional coverage.

Below is information about rental reimbursement insurance, what most motorcycle insurance companies will cover with it, what isn’t covered, how much it costs, and how to choose the right coverage limits.

Rental Reimbursement Insurance
Rental reimbursement insurance for motorcycles is designed to help pay for the cost of a rental, while your motorcycle is in the shop for repairs because of an accident, theft recovery, or another covered insurance claim.

What Does Rental Reimbursement Insurance Cover
Rental reimbursement insurance typically covers:

  • rental costs (with daily limits)
  • a wide range of rental vehicles (it may allow for the rental of a car)
  • the time when your motorcycle is being repaired (with a total maximum limit) or until your insurance claim is settled

What Doesn’t Rental Reimbursement Insurance Cover
Rental reimbursement insurance typically doesn’t cover:

  • repair time for routine maintenance
  • non-covered incidents (the rental reimbursement only kicks in when your motorcycle is being repaired because of a claim that’s covered by your insurance policy)
  • maintenance issues (if the breakdown is due to poor maintenance or normal wear and tear)

Cost Of Rental Reimbursement Insurance
The cost of rental reimbursement insurance can vary, but it’s mostly influenced by: bundling it with other types of insurance, coverage limits, and the types of rentals covered.

How To Choose Rental Reimbursement Coverage
If you rely on your motorcycle to get you where you need to go, and the cost of renting a bike would cause financial hardship, you should consider adding rental reimbursement coverage to your policy.

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company.

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Most rental reimbursement policies have daily limits and total limits (e.g. $25-$75 per day and a max of $750-$1,500 per claim).