Motorcycle Insurance: What You Need to Know

The need for speed, wind in your hair, or just looking super cool — these are some of the things people love the most about riding their motorcycles. When it comes to insuring their bikes, many riders sign up for basic packages in the spur of the excitement. Some motorcyclists on the road may not know how to gain the right coverage or be unaware that their coverage may not include all that it needs to. If you’re a learner or experienced motorcyclist, here’s what you need to know about Sandbox's motorcycle insurance:

1. Sandbox’s motorcycle insurance accommodates seasonal licensing. This means that every spring, you won’t need to update it when you decide to take the bike out of the garage.

2. The average policy includes a $700 deductible and $200,000 3rd Party Liability under the plate; however, a Sandbox policy is an affordable solution to lower your deductible in a loss and increase your liability coverage.

3. Sometimes, there are underage operators on units that fall into our unlicensed motorcycle category — looking at you, dirt bikes and mini-bikes — and for that, we offer the Motorcycle Underage Operator Endorsement. This allows a person aged 12-15 years to operate the vehicle when the unit is under 50 ccs.

4. Depending on the make and model of your motorcycle, your insurance policy should reflect it adequately. Double-check your policy and with your broker if your insurance is best suited to your size of bike!

5. Motorcycle anti-theft systems will help you avoid trouble. Helmet locks, tracking devices, and alarm systems are some great accessories to install to further safeguard your equipment.

It's thrilling to ride a motorcycle but remember to protect yourself and your machine. Sandbox's motorcycle insurance protects your bike and its parts, while providing custom coverage, if requested. Learn more about Sandbox motorcycle insurance by visiting our Motorcycle Insurance page.

Please note that the information in this article may not accurately reflect your insurance policy from Sandbox Mutual Insurance or another insurance company. Please refer to your policy or talk to your broker about your specific coverages.