In the world of Calgary motorcycle insurance coverage, nothing is ever truly black and white. Buying one type of insurance policy is rarely enough: If you plan on taking to the road on a regular basis, you have to think about how you can best protect yourself and your motorcycle. For many people, this is when comprehensive and collision coverage come into play. But the question still remains: What are those policies and how are they different from each other?
Most people believe that buying a liability insurance policy is enough. The truth is that this type of policy does not cover them or their motorcycle. Collision coverage, on the other hand, does just that. The latter is, as the name entails, a type of policy that covers your motorcycle in the event of a collision. Such collision can occur against a pole, a car or any other non-living object. What's more, it does not matter if the accident was the motorcyclist's fault: This policy will always protect them.
Similarly, a comprehensive insurance policy covers a motorcycle for the damage caused by something other than a collision. Generally speaking, this type of policy covers theft, vandalism and even fire. If you believe that you can sleep at night without collision coverage, we highly recommend that you at least buy a comprehensive policy. More often than not, you have absolutely no control over the kind of accidents that this policy protects your motorcycle against.
Do you have a motorcycle? Thinking about hitting the road with it soon? Don't go without proper insurance coverage. Sharp INSURANCE can help: Click here to request a free quote today!