Cruisers Motorcycles Insurance
Protect Your One-of-a-Kind Ride
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Protect Your Ride. Ride with Confidence.
As a cruiser motorcycle enthusiast, you know the freedom of the open road — and the investment your motorcycle represents. Whether you ride a Harley-Davidson, Honda Shadow, Yamaha V-Star, or any classic cruiser, your motorcycle deserves tailored protection that covers more than just the basics.
We specialize in Cruiser Motorcycle Insurance that’s built for comfort riders, weekend warriors, and touring motorcyclers who want full coverage without overpaying. We help riders like you find the right motorcycle insurance policy for your cruiser — with coverage designed for both peace of mind and the unexpected.
Why Cruiser Motorcycle Insurance Matters
Unlike sportmotorcycles or scooters, cruiser motorcycles tend to have:
Higher customization value (chrome parts, saddle bags, exhaust upgrades)
Longer touring capability, often carrying extra gear or a passenger
Higher risk of theft, especially with classic or custom motorcycles
That’s why a standard policy might not be enough. Our cruiser insurance options provide essential protections such as:
Coverage Options We Offer
Liability Insurance: Covers injury or property damage if you’re at fault in an accident.
Collision Coverage: Pays to repair or replace your cruiser after an accident.
Comprehensive Insurance: Protection from theft, vandalism, fire, weather damage, and more.
Accessory & Custom Parts Coverage: Protects saddlebags, aftermarket pipes, chrome kits, and more.
Uninsured/Underinsured Motorist: Covers you if another driver doesn’t have enough (or any) insurance.
Medical Payments Coverage: Helps pay for injuries after an accident, regardless of fault.
Towing & Roadside Assistance: Keep riding with confidence — even if your motorcycle doesn’t start.
What Does Motorcycle Insurance Cover?
Workers compensation insurance provides a safety net for employees injured on the job. Here’s a breakdown of what this coverage typically includes:
Accidental Damage
Covers repairs or replacement costs if your motorcycle is damaged in a road accident, whether it’s a minor dent or major collision.
Theft or Total Loss
If your motorcycle is stolen or completely damaged beyond repair (declared total loss), your insurer will compensate you based on the insured value.
Fire and Natural Calamities
Motorcycle insurance also covers damage caused by: Fire or explosion Floods, earthquakes, storms, or other natural disasters Riots or vandalism
Third-Party Liability
This is a legal requirement in most countries. It covers: Damage to another person’s vehicle or property Injury or death caused to a third party in an accident involving your motorcycle
Personal Accident Cover
Provides compensation for injuries, disability, or death of the rider in case of an accident. Some policies may also offer coverage for pillion riders.
Low-Cost Commuter Motorcycle Insurance
Affordable Low-Cost Commuter Motorcycle Insurance designed to protect your daily rides with reliable coverage at budget-friendly rates.
Frequently Asked Questions
Q1: What’s the difference between cruiser and sportmotorcycle insurance?
A: Cruiser motorcycle insurance is usually less expensive than sportmotorcycle coverage, since cruisers are often ridden more conservatively and have lower top speeds. However, custom parts and vintage models can increase coverage needs.
Q2: Does cruiser insurance cover custom parts or accessories?
A: Yes! You can add coverage for aftermarket accessories like saddlebags, chrome trim, GPS, or custom paint. Be sure to let us know their value so we can include them in your policy.
Q3: Can I insure a vintage cruiser or classic Harley?
A: Absolutely. We offer coverage for vintage cruisers, including agreed value options and restoration protection depending on the insurer.
Q4: Is roadside assistance included in cruiser motorcycle insurance?
A: Many of our policies offer optional roadside assistance, which includes towing, fuel delivery, and emergency mechanical help.
Q5: How much does cruiser motorcycle insurance cost?
A: It depends on factors like your motorcycle’s value, your location, riding experience, coverage level, and any custom parts. We’ll help you compare quotes to find the best rate.
