Motorcycle Insurance Coverage: What Happens When a Friend Uses Your Bike?

There’s nothing quite like the thrill of riding a motorcycle. It’s natural to want to share that experience with a friend. If you allow your friend to use your bike, your insurance will typically remain in place under most circumstances. However, the rider must have the appropriate license and cannot be listed as an exclusion on your policy.

At Pikes Peak Insurance Agency, we encourage you to speak with our team about motorcycle insurance in Falcon, CO. We can help you explore coverage options that provide robust protection for your needs.

Does Your Motorcycle Insurance Cover Risks?

Your insurance will generally act as the primary coverage if your friend uses your bike and is involved in an accident. However, there are important limitations to consider.

The first factor is permissive use. This means the other driver must have your explicit permission to use the bike. If they did not have your permission and were involved in an accident, your insurance company may deny financial protection for their losses.

Another factor is exclusions. Some motorcycle insurance policies specifically exclude certain individuals or uses of the bike. For example, coverage may be restricted for someone living in your home with a poor safety record. Additionally, some policies may not cover riders who lack the required motorcycle license.

It’s also important to remember that all motorcycle insurance policies have coverage limits. They will not cover losses that exceed the limits of the policy you purchased.

Getting Into the Right Policy Matters

At Pikes Peak Insurance Agency, we work with you to select the most suitable type and level of coverage for your needs. If you’re looking for motorcycle insurance in Falcon, CO, give us a call to learn how we can assist you.