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Mia's Story

Mia and Her Motorcycle

Ever since she could remember, Mia had always been captivated by anything with two wheels. From her bicycle as a young girl to her dirt bike as a teen, she loved everything about riding. When she was old enough to get a real motorcycle, she wasted no time in taking to the roads.

Although Mia loved bikes, she also loved safety. Mia knew that went beyond just wearing a helmet and leather. She knew she needed the very best motorcycle insurance. Insurance Maestro was there every step of the way when it came to helping Mia achieve the best insurance plan, both financially and coverage wise. Now Mia is free to burn rubber, and not cash.

A Quick Guide to Motorcycle Insurance

At Insurance Maestro, we understand you want to find the best Motorcycle Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Motorcycle Insurance

What’s the best way to save money buying motorcycle insurance?

We work with a huge range of insurers, and many will offer discounts and incentives that can reduce the price of your premium. These are just a few of the schemes we know of:

  • Sign up to a motorcycle rider’s organization
  • Pass a rider training program
  • Buy multiple policies with the same insurer
  • Limited mileage discounts – ideal for occasional /hobby riders

Do I need to buy insurance for my motorcycle when I’m not using it?

Yes. You can buy lay-up insurance which is designed to cover your bike when it’s not being used or it’s in storage. Aside from the risk of theft, there are other events that can occur that could cause damage to your bike.

Can I buy motorcycle insurance for track days?

For those thrill seekers out there, yes, you can purchase coverage for your motorcycle for track days. Not all insurance companies will offer this, and there are typically restrictions in place. Speed tests, racing, and time events are usually excluded.

Is theft covered under all motorcycle insurance policies?

For most owners, this is the stuff nightmares are made of. Thankfully, you can get coverage for theft that also includes items or parts that might be stolen, along with covering the bike in its entirety as well. Generally, you’ll need to buy comprehensive coverage, but depending on the insurer, and the value of any parts or extras, you may need to purchase an add-on to make sure all your ‘bits’ are covered.

We're Here For You

We want to help you find the right Motorcycle Insurance for your individual needs. If you contact us directly, our friendly team of experts will be happy to talk to you and offer guidance about the different types of coverage you might be considering. 

Thinking about buying Motorcycle Insurance?

Read this first.


At Insurance Maestro, we’re here to make the process of buying motorcycle insurance as easy as possible for you. Our team are here to answer any direct questions you might have, but to help get things started, we’ve written a quick guide to buying motorcycle insurance, covering the essential options, and most frequently asked questions to our team.

Your Motorcycle Insurance Options Explained

Whether you use your motorcycle for commuting, adventure-seeking, or leisure, you’ll need to make sure you’ve got adequate coverage in place for you and your bike in the event of a theft, accident, injury, or loss. Through our team of experts, we offer coverage for street bikes, choppers, mopeds, segways, and more. 

Motorcycle insurance is similar to regular auto insurance in that you have similar choices and obligations to cover. It goes without saying that you’ll need to buy coverage for specific liabilities and uninsured motorists, but there’s also a range of additional options to choose from as well. Here’s a quick explanation of those options.

Motorcycle Liability Coverage
This is mandated by state law and pays out for injuries or damaged to others. You’ll usually find the legal minimum amount of coverage you need is the same required for autos in your state. You may also need to think about buying more than the minimum amount, as in the event you face legal action that amounts to more than the limit, you could become personally liable for the rest. 

Also, if you plan to regularly carry a passenger, you’ll need to check that any motorcycle insurance policy you buy includes a passenger liability coverage clause. 

Collision Coverage
If you’re involved in a collision, this pays for any damage to your bike, less your deductible. 

Personal Injury Protection
This covers any medical bills for yourself, a passenger, or any pedestrians in the event of an accident, regardless of fault. It’s not offered in all states, so again, make sure you double-check before buying insurance for your motorcycle if this is or is not covered. 

Underinsured / Uninsured Coverage 
Again, this is something that certain states will mandate under state law. Some insurers include property damage as part of this option, other don’t. Always check and never assume it’s included. 

Trip Interruption
One for those who plan to take their motorcycle for long rides away from home. It can pay for lodgings, transportation, and food if you have an accident and you’re more than 100 miles away from home. 

Extra Accessories
If you’ve added accessories to your bike, and let’s face it, who doesn’t? Then coverage for your additional accessories could be a no-brainer. The typical limits are around the $30,000 mark, and typically covers parts, equipment, and other accessories. 

We’ve covered the main elements of motorcycle insurance and the additional options. However, there are a few other choices you might see when you compare your insurance choices online.

  • Comprehensive Coverage
  • Loss/Damage to sidecars or trailers
  • Full replacement cost for your motorcycle vs actual value
  • Lay-up insurance 

While it seems like a lot of options to make, there are always going to be options that suit your specific use and motorcycle, and others that aren’t particularly relevant.

Got a question? We’ve got answers.

Our team of Motorcycle Insurance experts will be happy to chat with you about your unique needs. Contact us today and we’ll happily talk through the options with you.

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