Harley-Davidson Insurance Service Affordable Process Guarantee

Harley-Davidson® Insurance Services offers various discounts to help reduce your motorcycle insurance costs. Eligible discounts include:

1. Multi-Cycle Discount: Insure more than one motorcycle and save.
2. Home Ownership Discount: Own a home with homeowners insurance.
3. Motorcycle Safety Course Discount: Complete courses like the Harley-Davidson® Riding Academy or Motorcycle Safety Foundation (MSF).
4. H.O.G.® Membership Discount: Harley Owners Group® members receive special savings.

These discounts are designed to provide affordable motorcycle insurance while ensuring you receive the quality service and coverage expected from Harley-Davidson® Insurance Services. When obtaining a quote, you’ll have the opportunity to see which discounts apply to your policy.

Here are ways to save on Harley-Davidson® Insurance for your motorcycle:

1. New Bike: Switching to a new bike gets you a discount.
2. H.O.G. Membership: Members of the Harley Owners Group® get a special discount.
3. Endorsement: Having a motorcycle endorsement earns you a discount.
4. Experience: Longtime riders get a discount based on their experience.
5. Riding Courses: Completing the Riding Academy or other safety courses within 5 years qualifies for savings.
6. Home Ownership: Insuring a home with homeowners insurance can lower your motorcycle insurance cost.
7. Prompt Payment: Paying on time at renewal saves you money.
8. Claim-Free Renewal: No-fault accidents mean a discount at renewal.
9. Bundled Protection: Adding other Harley-Davidson® Insurance products gets you a discount.
10. Loyalty: Being a customer for over a year or adding a new bike earns a discount.
11. Multi-Cycle: Insuring more than one motorcycle saves you money.
12. Anti-Theft: Using theft-deterrent devices like alarms or LoJack® earns you a discount.
13. Military/Law Enforcement: Military and law enforcement personnel receive a discount as a thank-you.

Harley-Davidson® Insurance Coverage

Here are the standard coverages offered by Harley-Davidson® Insurance:

1. Liability Coverage: Covers damages to others if you’re at fault in an accident.
2. Comprehensive and Collision: Covers damage to your motorcycle in various scenarios, including accidents, theft, or vandalism.
3. Uninsured/Underinsured Motorist (UM/UIM): Protects you if you’re in an accident with someone who has insufficient or no insurance.
4. Medical Payments: Covers medical expenses for you and your passengers in case of an accident.
5. Coverage for Helmets and Safety Apparel: Provides coverage for helmets and other safety gear damaged in an accident.
6. Total Loss Coverage: Pays the full value of your motorcycle if it’s deemed a total loss.
7. Trip Interruption Coverage: Reimburses you for expenses if your motorcycle breaks down while you’re away from home.

These coverages ensure comprehensive protection for both you and your motorcycle, offering financial security in various situations on the road.

Benefits of Harley-Davidson® Insurance:

1. Coverages for a Variety of Motorcycle Types: Tailored insurance options for different motorcycle types.
2. $1,000 Optional Equipment Included: Includes coverage for up to $1,000 in optional equipment.
3. Money Saving Discounts Available: Various discounts help save on insurance premiums.
4. H-D® Genuine Parts for Repairs: Ensures repairs with H-D® Genuine Parts + Accessories.
5. Coverage Details:

• Bodily Injury Liability
• Bike Replacement Cost
• Collision Coverage
• Comprehensive Coverage
• Guest Passenger Liability
• Medical Expense Coverage
• Optional Equipment Coverage
• Optional Equipment Replacement Cost
• Roadside Assistance
• Uninsured/Underinsured Motorist Bodily Injury
• Vacation Rental Coverage

These benefits provide comprehensive protection and support for Harley-Davidson® riders, covering a wide range of needs and potential scenarios on the road.

Here’s what you get with Harley-Davidson® Motorcycle Insurance:

1. Genuine Parts and Accessories: Your policy covers replacement with genuine parts and accessories, whether you ride a Ducati sport bike or a Harley-Davidson®.
2. Military/Law Enforcement Discounts: Active or retired military and law enforcement personnel receive a special discount on their motorcycle insurance.
3. Multi-Bike Discount: Insure more than one motorcycle with us and qualify for a multi-cycle discount, regardless of the brand.
4. Riding Safety Class Discount: Completing a motorcycle safety class like MSF or Harley-Davidson® Riding Academy courses can earn you a discount on your insurance.
5. Accessories Insurance Coverage: Comprehensive protection for your motorcycle and optional coverage for equipment and safety gear.
6. Motorcycle Accident Forgiveness: Your insurance rates won’t increase due to one accident, acknowledging that accidents can happen.

These features ensure that your Harley-Davidson® Motorcycle Insurance provides tailored coverage and savings opportunities to meet your riding needs and protect your investment.