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Harley Davidson Insurance Review

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  • Post last modified:June 29, 2024

When it comes to protecting your prized Harley Davidson motorcycle, having the right insurance is crucial. Harley Davidson Insurance offers specialized coverage tailored specifically for Harley owners. 

This comprehensive review will explore the features, benefits, and potential drawbacks of Harley Davidson Insurance, helping you make an informed decision about protecting your ride.

Skale Money Key Takeaways

  • Harley Davidson Insurance offers specialized coverage for Harley motorcycles
  • Customizable policies with various add-ons are available
  • Competitive pricing with multiple discount options
  • Streamlined claims process designed for motorcycle owners
  • Exclusive benefits for Harley Owners Group (H.O.G.) members

Understanding Harley Davidson Insurance

Harley Davidson Insurance is designed to meet the unique needs of Harley owners, offering comprehensive coverage that goes beyond standard motorcycle insurance.

Key features:

  • Specialized coverage for Harley Davidson motorcycles
  • Options for custom parts and equipment
  • 24/7 roadside assistance
  • Accident forgiveness

Comparison with standard motorcycle insurance:

FeatureHarley Davidson InsuranceStandard Motorcycle Insurance
SpecializationHarley-focusedGeneral motorcycle coverage
Custom Parts CoverageExtensiveLimited or additional cost
Roadside AssistanceIncludedOften an add-on
Brand-specific BenefitsYesNo


  • Review your policy details carefully to understand coverage limits
  • Consider your riding habits when selecting coverage options
  • Take advantage of Harley-specific features for maximum protection

Coverage Options

Harley Davidson Insurance offers a range of coverage options to protect you and your motorcycle.

Available coverage types:

  • Bodily injury and property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage

Coverage details:

Coverage TypeTypical LimitsCommon Deductibles
CollisionActual Cash Value$500-$1000
ComprehensiveActual Cash Value$250-$500
Uninsured Motorist$100,000/$300,000N/A


  • Choose higher liability limits for better protection
  • Adjust deductibles based on your financial situation
  • Consider additional coverage for expensive custom parts

Customization and Add-ons

Harley Davidson Insurance allows for policy customization to fit your specific needs.

Customizable options and add-ons:

  • Custom parts and equipment coverage
  • Bike replacement cost
  • Trip interruption coverage
  • Rental reimbursement
  • Towing and labor coverage

Basic vs. Enhanced coverage:

FeatureBasic CoverageEnhanced Coverage
Custom PartsLimitedExtensive
Bike ReplacementActual Cash ValueFull Replacement Cost
Trip InterruptionNot IncludedIncluded
Rental ReimbursementNot IncludedIncluded


  • Assess your riding habits to determine necessary add-ons
  • Consider enhanced coverage for newer or heavily customized bikes
  • Review and update your policy as your needs change

Pricing and Discounts

Harley Davidson Insurance aims to offer competitive pricing with various discount opportunities.

Factors affecting premiums:

  • Riding experience
  • Bike model and year
  • Location
  • Coverage limits
  • Driving record

Available discounts:

Discount TypePotential Savings
Multi-bikeUp to 20%
Safety CourseUp to 15%
H.O.G. MembershipUp to 10%
Claim-Free RenewalUp to 20%
Anti-theft DeviceUp to 15%


  • Take advantage of multiple discounts to lower your premium
  • Consider bundling policies for additional savings
  • Maintain a clean riding record for better rates

Claims Process

Harley Davidson Insurance offers a streamlined claims process designed for motorcycle owners.

Steps in the claims process:

  1. Report the incident
  2. Provide necessary information
  3. Claims adjuster assessment
  4. Repair or replacement arrangements
  5. Claim resolution and payment

Average claim processing times:

Claim TypeTypical Processing Time
Minor Damage5-7 business days
Major Damage2-3 weeks
Total Loss3-4 weeks


  • Document the incident thoroughly with photos and notes
  • Keep all receipts related to the incident
  • Stay in regular contact with your claims adjuster

Customer Service and Support

Harley Davidson Insurance prides itself on offering dedicated customer support for policyholders.

Customer service features:

  • 24/7 claims reporting
  • Online account management
  • Dedicated motorcycle insurance specialists
  • Multiple contact options

Contact methods and response times:

MethodAvailabilityTypical Response Time
Email24/7Within 24 hours
Live ChatBusiness hoursWithin minutes
Social MediaBusiness hoursWithin 1-2 hours


  • Save important contact numbers in your phone
  • Utilize online account management for quick policy changes
  • Provide feedback to help improve service quality

Online Tools and Resources

Harley Davidson Insurance offers various online tools to enhance the customer experience.

Available online tools:

  • Quote generator
  • Policy management portal
  • Claims reporting system
  • Rider resources and safety tips

Online vs. offline services:

ServiceOnline AvailabilityOffline Availability
Get a QuoteYesYes (via phone)
Policy ChangesYesYes (via phone)
Claims ReportingYesYes (via phone)
PaymentYesYes (mail)


  • Familiarize yourself with the online portal for easy management
  • Use the mobile app for on-the-go access to your policy
  • Check the website regularly for new resources and updates

Harley Davidson Insurance vs. Competitors

Harley Davidson Insurance offers unique benefits that set it apart from general motorcycle insurers.

Key differentiators:

  • Specialized Harley Davidson knowledge
  • Extensive custom parts coverage
  • H.O.G. member benefits
  • Brand-specific perks and events

Comparison with major competitors:

FeatureHarley Davidson InsuranceCompetitor ACompetitor B
Harley SpecializationHighLowModerate
Custom Parts CoverageExtensiveLimitedModerate
H.O.G. BenefitsYesNoNo
Brand EventsYesNoNo


  • Consider the value of Harley-specific coverage and benefits
  • Compare quotes from multiple providers
  • Look beyond price to evaluate overall value and coverage

Eligibility and Application Process

Harley Davidson Insurance is available to a wide range of riders and bikes.

Eligibility requirements:

  • Valid motorcycle license
  • Insurable Harley Davidson motorcycle
  • Meet minimum age requirements (varies by state)
  • Acceptable driving record

Application process:

StepTime FrameMethod
Get a Quote5-10 minutesOnline or Phone
Review CoverageVariesSelf-paced
Provide Information15-20 minutesOnline or Phone
Policy Issuance1-2 business daysEmail


  • Have all necessary information ready before starting the application
  • Ask questions if you’re unsure about any coverage options
  • Review your quote carefully before finalizing


Harley Davidson Insurance offers a compelling package for Harley owners, combining specialized coverage with brand-specific benefits. While it may come at a premium compared to some general motorcycle insurance options, the tailored coverage and understanding of Harley Davidson bikes can provide peace of mind for passionate riders. Consider your specific needs, riding habits, and budget when deciding if Harley Davidson Insurance is the right choice for protecting your prized motorcycle.

FAQ Section

Is Harley Davidson Insurance only for Harley motorcycles? 

While specialized for Harleys, they may offer coverage for other brands. Check with an agent for details.

Can I insure multiple bikes under one policy? 

Yes, Harley Davidson Insurance offers multi-bike policies with potential discounts.

Are there age restrictions for Harley Davidson Insurance? 

Age requirements vary by state. Contact an agent for specific eligibility criteria.

How does the claims process work for custom parts? 

Custom parts are typically covered under separate limits. Document all customizations and discuss with your agent.

Can I transfer my policy if I sell my Harley and buy a new one? 

In most cases, yes. Contact your agent to update your policy with the new bike’s information.