Your motorcycle insurance coverage often protects you, the motorcycle, and your passenger in case of an accident. It would be wrong to assume that your protective riding gear like the helmet is covered by your bike’s insurance. However, this doesn’t mean that helmets aren’t covered by motorcycle insurance. Some insurance companies such as Smart Way Insurance Agency that serves Sandy, UT area may have a standard policy that offers helmet coverage while others may offer the protection at an optional extra cost. It’s important to remember this when purchasing your motorcycle insurance. A good policy must cover your gloves, riding boots, helmet, and other protective motorcycle clothing.
Levels of helmet and protective gear coverage
Generally, the amount of cover one requires for their riding protective gear depends on how expensive the gear is. Since most policies provide clothing and helmet protection as an added extra, you’ll need to weigh up whether what you are getting is worth your money. If you own a budget gear, a policy that provides approximately $400 for clothing and helmet protection may be enough. But, if your helmet is particularly expensive, you’ll have to look for a policy that offers a higher level of coverage. Claiming on your helmet usually doesn’t affect the no-claim bonus, although this varies from one provider to the other.
Stolen and damaged equipment
In case your protection gear gets damaged in an accident, your helmet and protective clothing coverage should help you out. However, the same may not apply if the gear gets stolen, so don’t make an assumption. Most policies will either repair or replace your existing gear should damages occur. This is very useful particularly when it comes to helmets that often have to be replaced after an accident.
You can rely on Smart Way Insurance Agency if you want a cover that protects your motorcycle protective gear. The company serves the Sandy, UT, area so consider contacting us for more details.