Does Motorcycle Insurance Cover A New Starter?

Few things are more frustrating than gearing up for a ride only to hear the dreaded clicking sound of a failed starter. The engine won’t even sputter to life. While motorcycle insurance may not always cover this issue, there are situations where it can help you get back on the road sooner rather than later.

Understanding Typical Insurance Coverage

Most motorcycle insurance policies do not cover the cost of replacing a starter, as it’s considered normal wear and tear. Items that need replacement due to wear and tear, such as brakes or starters, are generally excluded from coverage.

However, if the starter malfunctioned due to damage caused by an accident, it may be covered under your policy. To determine whether your insurance will cover the cost of a new starter, contact an agent at The Policy Source, serving Austin, TX.

Extended Warranty Options

Many motorcycle dealerships offer extended warranties on parts that are prone to failure, including starters. These warranties often come with conditions, such as regular oil changes and maintenance performed by the dealership. If your bike is under warranty, you may be able to replace the starter without incurring additional costs.

Coverage for Vandalism

If your starter failed due to tampering or vandalism, your insurance may cover the replacement cost—provided your policy includes coverage for vandalism. Keep in mind that you’ll need to pay a deductible, so it’s important to compare the cost of the deductible with the cost of a new starter to determine the best course of action.

We understand how disappointing it can be when your motorcycle won’t start. At The Policy Source, our agents are here to help you explore your options and determine if your insurance can assist. Contact us today to learn more. We proudly serve the Austin, TX, area.