Solo motorcycle rides are enjoyable, but group rides are more fun. Some people in the group may not have motorcycle insurance. You may wonder if motorcycle insurance exists for group riders. After all, it’s easier to share coverage than to secure separate policies. Our agents at Kinowski Agency Inc., serving Amsterdam, NY and surrounding areas, will discuss the issue here.

How Does Motorcycle Insurance Work for Group Riders?

You join a club membership or club organization, and after joining, you use their partnerships to secure motorcycle insurance. Club members get exclusive discounts on insurance, retail, gear, apparel, activities, recreation, and other perks. They also offer safe driving classes, member-only exclusives to events and services, and a network support system of experienced riders. Because you secured motorcycle insurance through a membership, it must remain active to keep the benefits. Drop the membership, and your policy will change.

There is no group motorcycle insurance for random groups of people to share coverage and benefits. Everyone must get separate policies.

Do You Need To Join a Motorcycle Club for Group Motorcycle Insurance?

Yes. It is challenging to get motorcycle insurance through an association if it is unrelated to motorcycles. The general, nationally recognized motorcycle clubs, the American Motorcyclist Association (AMA) and the Motorcycle Safety Foundation (MSF), are the most recognizable. However, there are local groups, touring organizations, and bike dealerships serving Amsterdam, NY and New York State, who have or know of clubs and organizations to join. Clubs based on motorcycle brands are BMW, Harley-Davidson, Honda, and Yamaha. Motorcycle clubs also exist based on age, gender, ethnic group, the military, law enforcement, and first responder personnel. 

The trick is choosing a club, organization, or membership that motorcycle insurance companies recognize and offer benefits for being a member. The team at Kinowski Agency Inc. partners with local clubs and organizations for motorcycle insurance and other benefits.

While no policies exist for a team of riders you select, joining an organization means you can secure motorcycle insurance as a group with like-minded members. Contact our office, serving Amsterdam, NY and surrounding areas, for more information on motorcycle insurance.