Insurance coverage

The purpose of this page is only to help you understand how things work here in California. Please make sure to consult with your own Insurance specialist and/or  ask all relevant questions to the renter prior to booking your motorcycle! Better be informed than sorry!

What you need to know when renting a motorcycle

California Minimum coverage.

Basic Liability Insurance (Standard Coverage) to cover damages you have caused to others. It comes with  a minimum of 15000/30000 per occurrence which may not be enough is there are bodily injuries or loss of valuable property. Hence the additional coverage (SLI – See below).

Damage Deposit

A damage deposit is pre-authorized on a Major credit card. Your card is not charged, the rental company simply authorize it. The authorization is released upon return and inspection of the motorcycle.

LDW (Loss Damage Waiver)

It covers the motorcycle in case of an accident where you are found responsible, in case of theft, partial or total destruction.

It is your responsibility to choose to be covered either by your own motorcycle insurance or through a dedicated insurance coverage contracted specifically for the duration of your rental/stay in the USA.

Valuable additional coverages

SLI (Supplemental Liability Insurance) (Optional)

It may provide you with excess coverage for the difference between that provided in your rental agreement (minimum requirement is the state financial responsibility mandated by the applicable insurance jurisdiction) and $300,000. It protects renter against claims made by a third party up to $300,000.00 (Three Hundred Thousand Dollars) for bodily injury and/or property damage sustained as a result of an accident while the renter is operating the rental vehicle.

If there is more bodily injury or property damage caused by the renter than State Minimum coverage available to pay for the accident, then renter can be sued by the person he/she hit to pay for any additional expenses that exceed the state minimum coverage.

This is where Supplemental Liability Insurance (SLI) comes in. If the renter chooses to take the SLI , then they are covered for up to $300,000.00 (300 Thousand Dollars) for both bodily injury and property damage.

Additional coverages

Personal Property Coverage (P.P.C.)

Protects against damage to personal effects, such as cameras leather jackets (not rental jacket), etc. up to $1,500.00.

Personal Accident Coverage (P.A.C.)

Personal Accident Coverage  gives a $50,000.00 per rider and $25,000.00 per passenger death benefit as well as $2,500.00 rider and $2,500.00 passenger medical expenses.

** If renter violates any of the terms or conditions of the rental contract then he/she may be 100% responsible for the full cost of the rented motorcycle. Such as, but not limited to: drinking and riding, excessive speed, leaving the bike unlocked and unattended.



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