Bicycle and Motorcycle Insurance

Ride Free, Ride Protected

Open Roads, Real Risks-Why Bikers Need Proper Coverage

The open roads and scenic byways are a motorcyclist's and bicyclist’s dream-but every ride comes with risks. From inattentive drivers to gravel roads and deer crossings, a split-second can change everything. Motorcycle insurance can help make sure you're protected when you ride, whether you're cruising or headed out to an event.

What Does Motorcycle Insurance Cover?

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Liability Insurance (Required)

ND law mandates at least 25/50/25 in liability coverage (like cars)-coverage for injuries and damage of others.

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Uninsured/Underinsured Motorist (UM/UIM)

Critical protection if you're hit by a driver with little or no insurance-covers your medical bills, lost wages, and more.

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Collision

Coverage for repairs to your bike if you hit another vehicle or slide out on gravel.

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Comprehensive

Covers non-collision losses-hail, fire, theft, vandalism.

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Guest Passenger Liability

If you carry a passenger, this covers their injuries in an accident (required on most policies).

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Accessory/Custom Parts Coverage

Protects custom paint, chrome, saddlebags, electronics, and riding gear-policies typically include limits, with higher coverage available.

Save With Smart Policies

Safety Course Discounts

Many insurers reduce premiums if you complete an approved motorcycle safety course.

Bundle for Bigger Savings

Combine motorcycle, auto, and home insurance for multi-policy discounts.

Seasonal Coverage

Policies are priced for a short riding season-so you get continuous protection (against theft/fire during winter). Most companies have seasonal lay-up coverage included in the policy.

Protect Your Custom Bike and Gear

Do you have a custom build or valuable gear? Is your bike a specialty model? Gateway can schedule custom parts, accessories, or high-end riding gear-ensuring you're covered if the unexpected happens.

Get a Motorcycle Insurance Checkup Before You Ride

Before you hit the open road, let Gateway Insurance review your motorcycle coverage. Our local agents can help you have the right protection (and applicable discounts) to ride with confidence, all season long.

Bicycle and Motorcycle Insurance-Questions Answered

  • Is motorcycle insurance required in ND?

    Yes-liability insurance is mandatory for all motorcycles operated on public roads.

  • How can I save on motorcycle insurance?

    Take safety courses, use proper gear, and bundle with other policies. Gateway offers multiple carriers for the best fit and value.

  • Does insurance cover my custom parts and accessories for my bike or my cycle?

    Most policies include some coverage for accessories and gear; higher limits or scheduling are available for custom bikes.

  • Can I suspend my cycle coverage in winter?

    Most policies are rated for seasonal use-maintain year-round coverage for theft/fire protection and to avoid coverage gaps.

  • Does my policy cover me at the motocycle rallies or out-of-state?

    Yes-most standard coverage applies, including travel to special events but its best to talk to one of our agents at Gateway first!

Bicycle insurance provides comprehensive coverage for theft, damage, liability, and medical expenses, offering protection tailored specifically for cyclists.

Standard Coverage

Theft Protection

Repair or replacement if your bike is stolen, depending on age and condition of bike.

Accidental Damage

Coverage for repair or replacement if your bike is damaged with a covered claim

Key Coverage Areas of Bicycle Insurance

Liability Coverage

If you accidentally injure someone or damage their property while riding, liability coverage helps pay for medical expenses and legal fees. This is crucial for cyclists who share the road with vehicles and pedestrians 

Medical Payments

This coverage may assist with medical expenses if there are injuries while riding your bike. If you’re at fault in a bike accident, the personal liability coverage on your home or renters’ policy may apply for the damages and injuries you caused, up to your coverage limits.

Vehicle Contact Protection

If you are struck by an uninsured or underinsured motorist, this coverage helps pay for damages and medical expenses resulting from the accident 

Additional Benefits

Many policies offer extras such as roadside assistance, rental reimbursement for a substitute bike while yours is being repaired, and coverage for cycling apparel and spare parts 

Bicycle insurance is designed to provide more comprehensive protection than standard homeowners or renters insurance, making it a valuable investment for cyclists. 


When choosing bicycle insurance, consider your bike’s value, usage, and location along with the optional extras like accessory protection, let Gateway Insurance Agency help you insure you bike so you can enjoy those summer months!