Safety Apparel ~ Motorcycle Insurance

Motorcycle safety apparel isn’t cheap! Fortunately, safety apparel coverage can help protect your investment, in the event of an accident.

This type of motorcycle insurance coverage is available from most insurance companies, usually as an add-on option.

Below is information about safety apparel 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.

Safety Apparel Insurance
Think for a moment about how much you’ve invested in the safety clothes and gear that you wear when you get on your motorcycle, whether it’s for a trip across town or a motorcycle tour. It costs add up to thousands of dollars. In the event of an accident, safety apparel insurance will help protect that investment.

What Does Safety Apparel Insurance Cover
Safety apparel insurance typically covers:

  • helmets
  • jackets and pants
  • gloves
  • boots
  • specialized suits

What Doesn’t Safety Apparel Insurance Cover
Safety apparel insurance typically doesn’t cover:

  • regular, everyday clothing
  • non-safety accessories (such as cameras or communication devices)
  • theft or loss
  • cosmetic damage (if safety gear or apparel is scratched or has minor cosmetic damage, it might not qualify for replacement)

Cost Of Safety Apparel Insurance
The cost of safety apparel insurance – which is typically an add-on to a motorcycle insurance policy – is largely determined by the amount of coverage you buy. Generally, this coverage won’t raise your insurance premium by much.

How To Choose Safety Apparel Coverage Limits
The amount of safety apparel that you have, what you paid for it, and how much it would cost to replace it should determine the amount of coverage that you need.

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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Safety apparel insurance typically only covers items that are damaged in a motorcycle accident, not safety apparel that’s lost or stolen.