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Motorcycle TheftYour motorcycle is a valuable asset you are proud to own. Yet, motorcycles are often a target for thieves. 

Though newer models have ample security systems, it is possible that you could face this risk. If you have the right type of motorcycle insurance in place, you may not have to worry about the financial loss. Most policies offer outstanding protection to you for your motorcycle loss. Yet, every plan is different.

What Type of Motorcycle Insurance Do You Have?

A good starting point is to understand what type of motorcycle insurance you have. If your insurance is comprehensive, it will cover theft in most cases. If you only have collision or liability insurance, the policy probably won't cover theft. 

Take a closer look at your policy to understand when it applies to theft. Any bike should have a comprehensive insurance plan to protect its value.

What Will Insurance Cover?

Your motorcycle insurance plan will list specifics about the theft coverage you have. The policy may include coverage for the following:

The bike itself. The amount paid to you will depend on the coverage you have. Policies usually limit payments to the coverage presented in the policy. Additionally, you may have actual cash value coverage (the value of the motorcycle at the time of the theft) or replacement value (the cost to replace the vehicle at the same quality).

The equipment you have on board. If you have any technology or customizations, these are often a part of a comprehensive motorcycle plan. Most will have specific limits on the amount of coverage necessary.

The equipment accompanying the bike. Your motorcycle gear, including helmets and clothing, may be a part of your claim for theft as well. The policy may limit the amount of coverage up to the dollar amount listed on your plan.

Work with your motorcycle insurance provider to create a plan that matches your risk. Be sure it adequately represents the value of your bike and whether or not you store any valuables in it. Keep your insurance agent updated on the customizations you make to the bike. Modifications can change the bike's value. With the right policy, you can rest assured that, if your bike gets stolen, it will have coverage.

If you need San Antonio motorcycle insurance, then we’ve got you covered. Amco & Remco Insurance can help you get a fast, free quote for an affordable policy. Call us at (800) 282-2000 for more information.
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