Motorcycle Insurance is designed to help cover your financial responsibility if you cause an accident, as well as protect your bike from theft, weather damage, or collisions, depending on your policy. It can also provide coverage for injuries to yourself or others, and help with costs if you’re involved in an accident with someone who has insufficient insurance.
Whether you ride a Harley, Honda, Yamaha, BMW, Indian, or a custom build, the right coverage helps protect both your freedom and your finances.
What Does Motorcycle Insurance Typically Cover?
- Liability Coverage – Generally required by law, liability coverage helps pay for injuries or property damage to others if you’re at fault in an accident.
- Collision Coverage – Helps pay for repairs to your bike after a crash, no matter who was at fault.
- Comprehensive Coverage – Covers non-collision events like theft, fire, vandalism, weather damage, or hitting an animal.
- Uninsured/Underinsured Motorist Coverage – May help cover your injuries and damages if you’re hit by a driver without insurance or with not enough coverage.
- Medical Payments Coverage – Can help pay your medical expenses or those of your passengers after an accident, regardless of fault.
- Accessories and Custom Parts Coverage – Optional coverage for upgrades like saddlebags, custom exhausts, paint jobs, and GPS systems.
- Roadside Assistance and Trip Interruption – Optional protection if you break down far from home and need towing, repairs, or a hotel.
Why Motorcycle Insurance Matters
Even the safest rider can’t control every variable on the road. A single accident could mean thousands in repairs, medical bills, or legal costs. Motorcycle Insurance helps reduce the financial impact of unexpected events so you can ride with confidence.
It also ensures you’re in compliance with Wisconsin’s minimum insurance requirements—and potentially with your lender’s, if your bike is financed.
Types of Bikes We Cover
We help insure a wide range of two- and three-wheeled rides:
- Cruisers (like Harley-Davidson)
- Sport bikes
- Touring bikes
- Scooters and mopeds
- Trikes
- Custom or vintage motorcycles
Not sure if your bike qualifies? Just ask—we’ll help you sort it out.
Independent Agency. Local Focus.
As an independent agency, Van Gilder Insurance isn’t tied to one brand. That means we can compare multiple carriers to find a policy that meets your needs without locking you into a single option.
Whether you ride along the lakefront or participate in local charity rides, we understand the risks and rewards of owning a bike here.
Walk In Any Time
Do you need to update your policy, add a new bike, or discuss deductibles? We welcome walk-ins. Our Rice Lake office is open daily for riders who prefer face-to-face conversations and straightforward answers.
You don’t need to schedule an appointment to get personal service.
What Affects Your Premium?
Motorcycle Insurance costs can vary based on:
- Make, model, and engine size
- Age and condition of your motorcycle
- Your age and riding experience
- Where you store the bike
- Annual mileage and usage
- Type of coverage selected
- Your driving record and claims history
We’ll explain how these details impact your rate and help find any available discounts.
Available Discounts
You may qualify for savings if you:
- Complete a motorcycle safety course
- Bundle Motorcycle and Auto or Homeowners Insurance
- Store your bike securely or seasonally
- Have a clean riding record
- Pay in full or go paperless
Let’s check which ones apply to you and lower your premium where possible.
Why Van Gilder Insurance?
We don’t just quote policies—we talk with riders, help explain coverage in plain language, and welcome you to walk in when you need something.
We offer:
- Multiple insurance carrier options
- Friendly, real-world advice
- Fast help when life changes
- A team that respects the lifestyle and values safety
Let’s Get You Rolling
Before you hit the road, make sure your coverage can keep up. Whether you’re reviewing a current policy or shopping for your first motorcycle, Van Gilder Insurance is here to help.
Stop by our office today—we’d love to discuss bikes and help you find the protection that suits you.
Because in the end, having the right insurance coverage means that the important things in life, such as your memories, milestones, and future, can continue for years to come.
