No two riders or drivers are alike and we take pride in assessing Harley owner’s individual needs to create the best coverage and the best available price – a policy JUST FOR YOU! In addition to your Harley, you may have another bike or automobile that you wish to insure together to increase your savings. Our licensed insurance brokers will work with riders to ensure they have appropriate coverage including proper limits and deductibles for standard coverage including Collision, Comprehensive, Third Party Liability and standard Accident Benefits as well as reviewing additional Optional Accident Benefits on all vehicles to ensure them and their loved ones are protected.
With Harley-Davidson Insurance Provided by My Insurance Broker, Harley owners get to take advantage of all of the discounts their good driving history qualifies them for on top of other available discounts and benefits.
Auto Insurance Benefits Available Through Harley-Davidson Insurance Provided by My Insurance Broker*
• Conviction Free Driving Discount of up to 15% for drivers with no moving violations in the past 3 years
• Multi-Vehicle Savings if you insure 2 or more vehicles through the same insurance company
• Discounts for Winter Tires, Good Insurance and Driving History among all other available discounts
• Multi-Line Discount if you insure your home and auto through MIB Advantage
• 5% Discount for Hybrid or Electric Vehicles
• Optional enrollment in User Based Insurance program to reward your good driving habits with an
additional discount of up to 25%
• Up to 5-Year New Vehicle Protection
• Disappearing Deductible Option
• Minor Conviction Protection
• Accident Forgiveness
• Transportation Replacement Coverage in the event your car is involved in an
accident or stolen
• Winter Tire Discount of up to 5%
• Additional discounts for customer loyalty based on how long a group member has been with their current
broker or insurer as well as many other discounts including for students and retirees among others
Statutory Accident Benefits
If you are injured in an automobile accident, statutory accident coverage provides coverage, whether you are found at fault or not. This coverage typically includes medical costs, which may include rehabilitation, caregiving, and income replacement. Coverage requirements and benefits will vary in each province.
Third-Party Liability
In the case that an automobile accident results in property damage, injury, or death of someone besides yourself, third-party liability coverage protects you. It covers the claims against you in the case of a lawsuit up to the coverage limit you designate. Each province requires motorists to be covered for a specific amount in third-party liability, but you may choose to increase that limit at an additional cost. Most policies will have either $1,000,000 or $2,000,000 as a coverage limit. Please speak with our licensed brokers to determine what is appropriate for you.
Direct Compensation
Unlike statutory accident coverage, direct compensation covers you in the case another person is at fault for injury or damage to your vehicle. Direct compensation coverage also covers the contents within your vehicle and costs associated with loss of use of your automobile. What that means is, even if another driver is at fault, you are repaid by your personal insurance provider. Direct compensation is only applicable in certain circumstances, notably when the accident occurred in a province that uses a Direct Compensation system, another vehicle caused the accident, the vehicle owner is insured in that province. Coverage will vary by province. If your accident falls outside of these terms, you’ll hopefully have opted for Collision coverage, which is an optional, but highly recommended benefit – especially in the case where it’s unclear which driver was at fault.
Uninsured Automobile
Uninsured automobile coverage is one of the most critical forms of insurance. It protects you against property damage, injury, or death as a result of an uninsured or hit-and-run driver.
Collision Coverage
Covers you for losses if you hit another vehicle or object, or if you’re hit by an uninsured or unidentified driver, such as a hit and run.
Comprehensive Coverage
Covers you for Specified Perils and for loss or damage resulting from falling or flying objects, missiles, vandalism, fire or theft.
*Coverage, discounts and benefits will vary in each province and with each different carrier underwriting policies through Harley-Davidson Insurance Provided By My Insurance Broker
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