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June 13, 2024
Variety Insurance

Summer Motorcycle Touring: Understanding Coverage Needs for Extended Trips

Summer motorcycle touring is an exhilarating experience, offering the freedom to explore open roads, picturesque landscapes and hidden gems. However, embarking on extended trips requires careful planning, especially when it comes to insurance coverage.

How to Prepare for an Extended Motorcycle Trip

Consider the following tips to prepare for an extended motorcycle trip: man riding motorcycle on road during daytime

  • Build stamina for long-distance riding. Before embarking on a long-distance motorcycle tour, gradually build up your riding stamina. Start with shorter rides and progressively increase the distance. This practice not only acclimates you to extended riding but also allows you to test different luggage setups.
  • Refine your setup. Get comfortable with your motorcycle’s full touring setup. If you’re using panniers, a top box or a roll bag, practice riding with them before your trip. Experiment with different configurations to find what works best for you.
  • Improve your riding fitness. Long-distance motorcycling demands physical and mental endurance. Prioritize your fitness by maintaining good cardiovascular health and muscular strength. Regular exercise may help you stay focused during those extended riding days.
  • Choose the right gear. Invest in quality gear, including a full-face helmet. Not only does it offer better protection, but it can also keep you warm and dry, and reduce noise fatigue. Additionally, check your suspension settings, especially if you’re carrying a passenger or extra luggage.
  • Plan stops ahead of time. Research your route and identify stops for food, rest and accommodations.
  • Review your insurance policy. When planning your motorcycle tour, prioritize insurance coverage to safeguard yourself and your bike financially.

Road Trip Insurance Considerations

Having the right insurance for your bike is critical at all times, but it’s especially important to review details ahead of a road trip. Begin by ensuring you have adequate liability coverage, which protects against bodily injury and property damage claims arising from accidents involving other parties.

Additionally, consider comprehensive and collision coverage to financially shield your motorcycle from damage due to accidents, theft, vandalism or severe weather. Uninsured/underinsured motorist coverage is crucial as it can help ensure financial protection if you’re involved in an accident with an uninsured or underinsured driver.

Finally, explore roadside assistance and trip interruption coverage. Roadside assistance can help with breakdowns, while trip interruption coverage can reimburse expenses if your journey is disrupted by an accident.

Motorcycle Insurance in Springdale, AR

Summer motorcycle touring offers unforgettable experiences, but responsible planning is critical. Contact Variety Insurance Agency to ensure you have insurance coverage to protect yourself and your bike during those extended rides.


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.

Categories: Motorcycle Insurance

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