Motorcycling offers a unique sense of freedom and adventure, especially on the open roads of Texas. However, one of the most critical steps in safeguarding your ride is understanding what your motorcycle insurance policy does and doesn’t cover. Understanding common exclusions can help you avoid out-of-pocket costs in the event of a claim.

What Are Motorcycle Insurance Exclusions?

Exclusions are specific situations or types of damage that your insurance policy will not cover. Exclusions vary depending on several factors, such as the insurer’s underwriting practices, the policy you choose and your location.

Common Motorcycle Insurance Exclusions

While each policy is unique, common exclusions include the following:

• Racing and stunt riding—Coverage is typically excluded for incidents that occur during organized races, speed contests, or stunt activities.
• Unlicensed or unlisted riders—Claims may be declined if the motorcycle is operated by someone without a valid license or not named on the policy.
• Intentional damage—Damage that is deliberately caused by you or another insured person is typically excluded.
• Wear and tear—Normal wear, mechanical faults, and maintenance-related issues are generally not covered.
• Business use—Using your motorcycle for commercial purposes, such as deliveries or ridesharing, may not be included in standard coverage.
• Unapproved modifications—Custom parts or alterations that haven’t been disclosed to the insurer might not be covered if damaged or stolen.
• Riding under the influence—Accidents occurring while under the influence of drugs or alcohol are usually excluded from coverage.

Why Understanding Exclusions Matters

Knowing your policy’s exclusions helps you avoid uninsured losses and out-of-pocket expenses in the event of a claim. If you have unique needs (e.g., custom equipment or occasional business use), the team at AAAA Insurance can explore additional coverage options to meet your specific requirements.

Motorcycle Insurance in Houston, TX 

Our team at AAAA Insurance is here to review your policy, explain exclusions in plain language and recommend solutions tailored to your riding habits. Contact us today to review your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.