Basically Harley-Davidson Insurance Product Services is an affiliate of Harley-Davidson Inc, or it’s a part of the Harley® family. The company has been insuring Harley Davidson motorcycle riders in 48 states of the United States for potential accident financial loss for over twenty years. Currently it is not available in Hawaii, Alaska, and Washington D.C state.
Harley Davidson insurance has been protecting services to customers for over 115 years in the motorcycle insurance industry from 1903. It also has become the best of the brand not only across the United States, but around the world. Harley-Davidson Insurance has more than 1,400 independently owned dealerships in nearly 100 countries around the world that have helped it build a legacy of quality service.
Harley Davidson motorcycle insurance agents understand what bike riders like their needs, and are knowledgeable of the ins and all of the motorcycle insurance policy coverage. It specializes in coverages that help protect riders like yours and meet each needs. This policy coverage starts from state-required liability insurance coverage, to the leather and safety apparel rider wear, to the customization of Harley® motorcycles.
In this page, we will explain the basics of Harley-Davidson motorcycle insurance. Know about complete policy coverage details, pros and cons and saving discounts to determine premium rate whether this company perfect your favorite bike.
Harley-Davidson’s insurance policies are underwritten by three high ranking companies: Sentry Select, Viking and Middlesex insurance. The companies have good customer service reputations and complaint rate is very low. Among them, Sentry Select insurance company has no complaints for service in 2022, according to the NAIC (National Association of Insurance Commissioners). In addition, Viking Insurance and Middlesex Insurance received less complaints than the average companies range.
An independent insurance rating agency is AM Best, this gave all the Harley-Davidson underwriting companies a rating of A+ (Superior) of customer satisfaction and financial strength. Which carries a reputation of ensuring each company’s financial strength and ability to pay customer claims and ensure customer confidence.
PROS
CONS
Covers a most type of motorcycles
Offers only motorcycle insurance coverage
Optional equipment plan is available
Coverage is not available in all the states
Provide extended service plans
Unavailable bundling multiple coverage
Custom motorcycle parts protection is available
Discounts for law enforcement and military members
Harley-Davidson Motorcycle insurance for Riders
Harley-Davidson is especially a one-stop shop for bike owners. It is also known as HD Insurance to most motorcyclists. It offers great and affordable optional coverages with a wide array of discounts. Harley-Davidson motorcycle insurance is a best choice for most of the riders, even if they don’t ride a Harley bike.
If you haven’t a Harley-Davidson bike, no problem—you can get insurance coverage for your company’s bike. Harley-Davidson motorcycle insurance is more affordable than other insurers. This company’s coverage premium rates are 29% cheaper than the national average rate. You can also find more optional coverage options and multi-discounts on Harley-Davidson Motorcycle Insurance policies.
Type of the Harley-Davidson Motorcycle Insurance Coverage Options
Harley-Davidson Insurance offers a lot of coverage options with extra coverages to HD Insurance policy for motorcycle riders. Any rider may customize their bike to benefit from HD Insurance’s optional equipment replacement coverage cost.
Everyone can choose from a number of different insurance policies to select one that best suits them. All of the Harley-Davidson motorcycle insurance coverage options has Included below table:
Personal Injury Protection
This coverage covers medical expenses for eligible riders regardless of whoever is at fault in the accident. But it’s available in all of the states without Alaska, Hawaii or Washington D.C.
Bodily Injury Liability
If you’re at fault in an accident, it covers expenses related to a third party’s injuries, such as: lost wages, pain, suffering, medical or death.
Property Damage Liability
If you’re in an at-fault accident and damage someone else’s property by you, this coverage will help protect your bank.
Comprehensive Coverage
This coverage pays for damages to your bike by your unintended causes, such as: theft, collision, fire, vandalism etc.
Collision Coverage
It pays for damages to your motorcycle if you’re in an accident, no matter who is at fault in the accident.
Medical Expense
If you’re injured on your bike it pays for your medical expense. It covers to help you and your passenger with medical bills at all the cost, regardless of who is at fault for an accident.
Optional Equipment
If your motorcycle needs repairs or replace optional equipment cost pays for non-factory standard equipment on your bike.
Vacation Rental
You can get the same level of coverage on a rental bike from a licensed protection facility or dealer as you would as a bike owner.
Uninsured Motorist Bodily Injury
It helps you to get pay for injuries you suffer in an accident, who is uninsured.
Underinsured Motorist Bodily Injury
It may pay for your bodily injury damages if you’re involved in an accident, which doesn’t have enough insurance to cover your injuries.
Uninsured Motorist Property Damage
This coverage covers your insured motorcycle damages, when it is damaged by someone who doesn’t have motorcycle insurance coverage.
Underinsured Motorist Property Damage
If you are in an accident and the at-fault individual unable to pay expense, this will help cover your property damage.
Guest Passenger Liability
If you’re at fault in an accident, the guest passenger liability pays a passenger’s medical expenses.
Rental Reimbursement
If you need to rent a motorcycle and it is your only mode of transportation. Therefore, if the cost is eligible in qualifying circumstances the cost may be covered.
Roadside Assistance
Emergency services 24/7 is available for fuel shortage, mechanical or electrical breakdowns, battery failure, flat tires and lock-out/lost key etc.
What types of motorcycles does Harley-Davidson insurance cover?
Harley-Davidson insurance covers a wide variety of bikes, including Harley and non-Harley that other companies don’t do. If the motorcycle does not fit the standard mold, it may be a great choice for riders. Here are a number of types of bikes that Harley-Davidson insures:
Cruiser
Street Rod
S Series
Touring
V-Rod
Softail
Electric
Standard
Dyna
Scooter
Sportster
Sport bike
Moped
Dirt bike
CVO
Sport touring
Trike
Dual purpose
Autocycle
Harley-Davidson Motorcycle Insurance Prices
Harley-Davidson motorcycle insurance premium rates may vary depending on various factors, such as the type of bike, age of the rider, driving history and place of residence. Also, eligibility will affect the cost of the type of coverage you get. Generally, a policy with liability coverage, comprehensive coverage, collision coverage and other extras will be more affordable than other companies.
If you want to know how much you will pay for your insurance, it is best to check with the company directly or online.
Get Harley-Davidson Insurance Quotes
Getting the Harley-Davidson motorcycle Insurance quotes is very simple, because the insurer has an easy online quoting system for newbie customers. Anyone can easily buy coverage quotes according to their need and see how each impacts the cost factors of Harley-Davidson quotes. Just submit details about your motorcycle VIN number, driving history, where you live and discount qualifications, and you will receive insurance quotes for regular and premium insurance policies.
Then before signing up for coverage, you may want to compare your Harley-Davidson insurance quote with quotes from other companies and the average cost of motorcycle insurance in the state you live in. In addition, you can contact a representative if you need assistance.
Compare Harley-Davidson and other insurance providers
Especially Harley-Davidson insurance provides motorcycles policy coverage option, it serves standard quality of service to satisfy their customers. If you are looking for minimum coverage for your motorcycle, you can compare with other companies offering insurance services.
Harley-Davidson Insurance offers a plenty of discounts options, who qualify for the offer. The company’s H-D Insurance discount factors are a little different, but simple.
New bike: If you get a Harley-Davidson motorcycle insurance coverage quote for your new bike, you will get a discount.
Multi-policy: If you already have the Harley-Davidson home or other insurance, you are eligible for a discount.
Bike endorsement: You may be eligible for a discount if you have a bike endorsement on your license for taking part in an approved riding course.
Experienced rider: If you’re a long-term motorcycle rider, The more experience you have, the more discounts you get.
H-D Riding Academy: Recently, if you complete the H-D Riding Academy New Rider Course, you can get a discount.
Prompt payer: Get a discount at policy renewal time if you pay all your payments on time.
Claim-free renewal: If you haven’t been in an accident of your policy, then receive a discount at policy renewal .
Bundled coverage: If you want other Harley-Davidson Insurance products and bike coverage bundles you can get a discount like planned maintenance.
Loyalty: If you’re adding a second motorcycle to your policy or if you’ve been with H-D Insurance for more than one year then you can get a discount.
Multi-bike: If you are Insure more than one bike with Harley-Davidson, you may qualify for a discount.
Anti-theft Alarm: Get a discount if your bike is equipped with an anti-theft alarm device.
H.O.G (Harley Owners Group) member: You can get a special offer if you’re a member of H.O.G.
Law enforcement or Military: You will have a break on your insurance rates if you’re an active or retired employee of law enforcement or the military.
Harley-Davidson Insurance Phone Number
Harley-Davidson insurance has several ways to get in contact depending on your need.
For get a Quote
You can calling on 800-909-9393 Monday to Saturday (7 a.m. – 11 p.m.) CT and Sunday (8 a.m. – 7 p.m. CT.) for a quote or get an insurance quote by online from their official website.
For asking questions about your coverage policy
Get answers to your asking queries by calling on 804-242-2464 Monday-Saturday (7 a.m. – 11 p.m.) CT and Sunday (8 a.m. – 7 p.m.). or complete an online form.
Claim Service
The company claims service is open always (24/7) at 800-242-2464. You can also create a report and review the online status.
Make a Payment
You can make a payment for calling 800-242-2464 or pay online.
Report Fraud
You can send suspected fraud reports with SIUTipLine@insurance.harley-davidson.com.
Others Else
If you have any other questions, you can complete their online complaint form, and a representative will generally be in contact within 48 hours to you.
Harley-Davidson insurance customer satisfaction and rating
Since 2010, Harley-Davidson Insurance Financial Services has been accredited by the Banker’s Blanket Bond (BBB) and it currently has an A+ customer satisfaction rating. However, the Harley-Davidson has a 9.4 out of 10 rating according to average customer reviews.
The National Association of Insurance Commissioners (NAIC) highlights customer complaint trends for companies. Complaint data for the three providers who underwrite Harley-Davidson insurance coverage policies varies. The average complaint index score for companies is 1.0, so any company below 1.0 has fewer complaints and any company above it has more complaints.
Middlesex
1.06
New Hampshire and Washington
Viking Insurance
1.05
California and New York
Sentry Select Insurance
0.80
Services all other states
Conclusion of Harley-Davidson motorcycle insurance reviews
Harley-Davidson insurance has both pros and cons. It offers optional products—financing and extended service plans. It covers a lot of motorcycle types and additionally provides optional equipment replacement cost-coverage. Harley-Davidson has also offers many discounts for law enforcement, military members, and experienced riders etc. However, there are some cons to consider, that—it unavailable in Alaska, Hawaii and Washington D.C.
Overall, Harley-Davidson is one of the best motorcycle insurance providers at this time, because it offers a variety of coverage options and discounts with most types of bikes.
FAQ of Harley-Davidsons Insurances
Is Harley-Davidson insurance legit?
Yes! It is a legit motorcycle insurer and this offers many great coverage options for every rider with many discounts.
Does Harley Davidson offer insurance?
Harley-Davidson offers a lot of motorcycle insurance coverage policies that cover most types of bikes with many discounts.
Is Harley-Davidson best for motorcycle insurance?
Harley-Davidson offers plenty of solid motorcycle insurance coverage options. It covers most types of the motorcycle with cover liability to full-coverage. Its premium rate is very affordable, depending on where you live, but overall, you can expect a good experience of your motorcycle insurance journey.
What is Harley-Davidson insurance through?
Harley-Davidson insurance is underwritten by Sentry Select, Viking and Middlesex Insurance. Viking Insurance underwrites policies in New York and California. Middlesex Insurance is in Washington and New Hampshire. Sentry Select in all remaining states.
Is Harley Davidson insurance expensive?
Harley-Davidson motorcycle insurance is more affordable than other insurers. This company’s coverage premium rates are 29% cheaper than the national average rate.
How to cancel Harley-Davidson insurance?
There could be penalties, if you cancel and try to renew with the same insurance company. The insurance company will not refund any policy if you cancel during non-riding months. So, fill the online form or call the hotline number to cancel it carefully. If you do not understand properly, seek advice from someone with experience.
Daniel Jack is a senior finance and insurance writer and analyst at The US Pedia. For more than 8 years, he has been helping consumers learn about the finance, insurance and banking related. Daniel enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. He completed his MBA (Master of Business Administration) from the University of Chicago.
