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Comprehensive motorcycle insurance is a necessity to protect your bike from accidental or intentional non-collision damage. Most comprehensive insurance coverage offers full protection--minus your deductible--against theft and physical damage to your motorcycle.
Theft
Comprehensive insurance will provide compensation should your motorcycle be stolen.
Vandalism
If your motorcycle falls victim to vandalism, comprehensive coverage will pay for the damages.
Natural Damage
In the event of damage or devastation caused by fire, wind, storms, earthquakes or other natural elements, your motorcycle will be covered by comprehensive insurance.
Considerations
Many insurance companies offer reduced rates for riders who take precautions against theft or damage. Proof of a garage rental, an anti-theft device and/or completion of a motorcycle safety course will save you a decent percentage on your comprehensive insurance.
Warning
Comprehensive insurance coverage is relevant only to factory parts on your motorcycle. Custom accessories, custom paint jobs and additions such as sidecars will need custom parts and equipment coverage.
Source:
Insurance Information Institute: Motorcycle Insurance
Motorcycle USA: Motorcycle Insurance Guide
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