Motorcycle Insurance Glossary

Motorcycle insurance terms defined

Accessory Coverage

Optional coverage that covers non OEM accessories or equipment, for example: additional lighting or saddle bags that were not originally installed on the motorcycle may require accessory coverage.

Collision Coverage

A collision policy will cover you in the event of damage caused to your motorcycle in an accident. It does not include coverage in the event of theft.

Comprehensive Coverage

Provides coverage for theft of your bike or for damage due to events such as fire.


A deductible is the amount you would have to pay before your insurance policy would start coverage. For example, if you have a policy with a $1000.00 deductible and you have an accident with $250 in damage, your insurance will not pay anything. However, if you have an accident and there is $1250.00 in damage, the insurance company will pay $250,and you will pay $1000.00.

Liability insurance

Provides coverage for damage caused by you in the event of an accident. This can be damage to a person or an object.


The amount you will pay for your motorcycle insurance. Your premium is impacted by a number of factors, including your insurance history and driving record.

Rider training school

An approved training program that will provide you with safe riding techniques. Many insurance companies will offer a discount for attending an approved school.

Safety Apparel

Clothing designed to minimize the amount of injury you might experience in an accident. For example: helmets, protective jackets, gloves and boots.


The process in which the insurance companies evaluate your individual risk, and determine your rate.

If you have any questions about motorcycle insurance terms, feel free to contact a broker and have any further questions answered.