Motorcycle Insurance vs Car Insurance

17 Oct 2019 Insurance Products

Getting to know the differences between motorcycle insurance and car insurance will help ensure that your bike has the right amount of coverage. At Mountainview Insurance, they understand how important it is to buy the right insurance for your motorbike. That is why they offer a range of insurance products, including motorcycle insurance.

Differences Between Motorcycle & Car Insurance

Even though motorcycle insurance and car insurance are both designed to protect your vehicle in the event that it is stolen or damaged, as well as to provide you with medical and liability coverage, car insurance and motorcycle insurance are two distinct products. The main differences between these two products are:

  • Car insurance generally covers having passengers in the vehicle, while motorcycle insurance has a separate option for covering passengers.
  • The personal injury protection portion of a motorcycle insurance policy tends to be more expensive than for a car because you are more likely to suffer an injury while riding a motorcycle.

Types of Motorcycle Insurance

Some of the different types of motorcycle insurance that you should consider purchasing include:

Comprehensive Coverage

Similar to comprehensive coverage for cars, comprehensive insurance for motorcycles will protect you and your bike in the event that you are in an accident. Comprehensive coverage will pay for any damages to your bike and any other vehicles involved if the accident is your fault. Comprehensive insurance also includes fire and theft coverage.

Third Party, Fire & Theft

While third party, fire, and theft insurance will not cover you if an accident is your fault, it will cover the third party involved in the accident. This type of insurance will, however, protect you in the event that your motorcycle is damaged by fire or is stolen.

Social, Domestic & Pleasure

Social, domestic, and pleasure insurance will help protect you if you are involved in an accident while visiting friends or family, as well as when traveling for leisure; however, this type of insurance will not protect you if you are in an accident while driving to and from work.

Social, Domestic, Pleasure & Commuting

Social, domestic, pleasure, and commuting insurance will cover you if you get into an accident while traveling to see friends and family or for leisurely purposes. Unlike social, domestic, and pleasure insurance, this type of insurance will cover you if you get into an accident while travelling to and from work.

Pillion Coverage

If you get into an accident, pillion coverage will help protect passengers on your bike by covering their medical expenses.

If you would like to learn more about the differences between motorcycle insurance and car insurance, or if you are interested in one of their insurance products, please contact Mountainview Insurance at 604-557-0255 or by requesting a quote on their website. Mountainview Insurance is proud to provide high-quality insurance products to clients throughout Abbotsford and the surrounding areas.