Motorcycle Rental Insurance
Insurance – WHAT A PAIN IN THE BUTT!! But unfortunately, it’s required.
When you rent a motorcycle from California Motorcycle Adventures you must provide motorcycle renter’s insurance. We can make this very easy for you, by adding you on to our motorcycle rental policy. For $15 per day (plus a $3 one-time set-up fee) we will provide "Basic" insurance.
"Basic" insurance, very simplified and in plain English, includes:
- State Required Liability Coverage –this coverage is in case you cause an accident and either injure someone or damage their property.
- Comprehensive Coverage, with a $1,000 deductible covers you in case the motorcycle is stolen or vandalized.
- Collision Coverage, with a $1,000 deductible on the damages to the rental motorcycle only, covers you if you have or cause an accident. There could be additional expenses, such as towing or impound, that are not covered by this insurance
- $500 Medical Payments for you if hurt in an accident.
If the unthinkable happens, and you do have an accident, typically we will submit a whole bunch of paperwork to our insurance company, to your insurance company and, if anyone else was involved, to their insurance company; then we will let all the insurance companies figure it out.
NOW FOR THE DISCLAIMER: We’re bikers, not insurance people!! This is the very simplified version, and like any insurance there is a 100-page policy written in legalize. If you really want the details, please contact us and we will be very happy to put you in touch with the experts.
We’re not done with the insurance yet, there’s more….
Other Optional Coverage
You may add on Supplemental Liability Insurance for $4.95 per day. This increases the liability coverage from the state required amount to a maximum of $ 300,000.
NOW FOR ANOTHER DISCLAIMER: We’re bikers, not insurance people!! This is the very simplified version, and like any insurance there is a 100-page policy written in legalize. If you really want the details, please contact us and we will be very happy to put you in touch with the experts.
No, we’re still not done, there’s one more…
The last one is called Roadside Assistance and Tire Puncture.
We want you to enjoy your vacation with the least amount of headaches. However, we understand things may happen! You will leave the lights on and come back to find you have a dead battery, or you may run out of fuel in the middle of nowhere, and of course there’s the dreaded construction truck dropping nails in the road! With the optional Roadside Assistance, we will take care of these problems for you. This includes:
- Replace your flat tire (tubeless tires are ALWAYS replaced) due to puncture only, including towing costs – your cost $0.00 for repair/replacement and towing!
- Deliver fuel to you if you ran out of gas (you will need to pay for the gas)
- Give your motorcycle a jump start if you left the lights on.
- $75 / day (maximum) reimbursement, along with refund of the down time, to rent another vehicle in case of a mechanical breakdown, or if the rental motorcycle is unsafe to operate through no fault of your own. The reimbursement kicks in if we cannot get the motorcycle repaired or replaced within 12 hours, and continues until your rented motorcycle is either fixed or replaced. (Sorry, flat tires are not considered to be a mechanical breakdown.)
- And we give you all of this for only $8.66 per day!
Please note – this is not a Collision Damage Waiver.
Can I use my own personal insurance to cover me on a rental motorcycle?
Yes, you can, but most people find it is either too much trouble or too expensive to do. Our basic insurance is only $15/day and your insurance company may charge you to provide the required certificates.
Coverage requirements are:
- Full Coverage for the motorcycle, including:
- Liability Coverage – we recommend minimum $300,000
- Collision for the full replacement value of the motorcycle
- Comprehensive for the full replacement value of the motorcycle
- An Umbrella liability policy for $1 million
These certificates must be provided to us at least 3 business days prior to your rental date.
If you provide your own insurance, you are fully responsible for any losses or damage.