What’s Covered (and What’s Not) in a Standard Motorcycle Insurance Policy in Virginia

The right motorcycle insurance policy can help provide financial protection after a covered accident or incident. With many options available, Grand Fox Insurance can help riders understand what each includes and how it may affect their riding experience and budget.

What Does Standard Motorcycle Insurance Cover?

A standard motorcycle insurance policy generally includes the following:

• Uninsured/underinsured motorist coverage may assist if you’re involved in an accident with a driver who has little or no insurance.
• Collision coverage may cover the cost to repair or replace your motorcycle if it’s damaged in a collision, regardless of fault.
• Comprehensive coverage may help cover noncollision events such as theft, vandalism, fire or weather-related damage.
• Liability coverage is required by Virginia law and can help pay for bodily injury or property damage you may cause to others in an accident.

What Does It Exclude?

Below are some notable policy exclusions to be aware of:

• Custom parts and accessories: Standard policies may offer limited or no coverage for customizations or aftermarket parts unless you add specific endorsements.
• Racing or stunt riding: Damage or injuries resulting from racing, organized competitions or stunts are typically excluded and may not be covered by a standard policy.
• Wear and tear: Routine maintenance, mechanical breakdowns and normal wear and tear are generally not covered and may require out-of-pocket payment.
• Commercial use: If you use your motorcycle for business purposes, such as deliveries, standard coverage may not apply, and you may need a separate or modified policy.
• Unlisted riders: Coverage may only extend to riders listed on the policy; lending your bike to someone not listed can mean that the ride is not covered.

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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.