Motorcycles can be an exciting form of transportation for both short commutes and scenic adventures. However, when your journey extends beyond your usual stomping grounds, such as if you plan to visit a rally or festival, or simply want to embark on a road trip, it’s wise to reassess your insurance coverage. Not all motorcycle policies are designed with long-distance travel in mind, and additional financial protection may be necessary.
How Do Insurance Needs Change When Taking a Longer Trip? 
While your standard motorcycle insurance policy may adequately cover everyday use, longer rides can introduce new risks and challenges. Before you hit the open road, consider the importance of the following additions or enhancements:
- Additional liability coverage—Liability coverage is a standard part of most motorcycle policies, but long-distance travel may expose you to areas with higher medical or property costs. Increasing your liability limits can offer added financial protection if you’re found responsible for an accident.
- Roadside assistance coverage—Mechanical issues can happen anywhere, and being stranded far from home can be costly. Roadside assistance coverage may help with towing, minor repairs, or emergency fuel delivery, offering peace of mind on the open road.
- Rental coverage—In the event of an accident or breakdown, rental reimbursement coverage may help you stay mobile by covering the cost of a temporary replacement vehicle.
- Coverage for trip interruptions—If your motorcycle becomes inoperable during a trip, this coverage may help offset unexpected expenses such as hotel stays, meals, or transportation back home. It’s especially useful when travel plans involve nonrefundable reservations.
Get the Right Coverage
If you’re planning a long motorcycle trip, it’s critical to make sure you’re adequately covered before hopping behind the handlebars. At Churchill Insurance, we take great pride in helping local bikers be prepared for all the challenges and uncertainties of the road. Contact us today to discuss your coverage.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.