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Old 04-11-2011, 10:01 AM   #1
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Question MC specific life insurance?

I know this is a morbid thought but I was wondering if anyone offers insurance specific to a MC accident?

For instance, I have a policy that if I die in a car crash my family gets some extra money - if it is noted on a report that I had a seat belt on then the amount doubles.
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Old 04-11-2011, 10:03 AM   #2
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all life insurance would cover incase of a moto accident. If it doesn't, then your buying something from a welfare agent and carrier. Just saying
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Old 04-11-2011, 10:08 AM   #3
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The car crash part is an accidental death benefit, usually it's a rider attached to an existing policy (like Life or Auto). Nobody that I know of offers one specifically for motorcycle wrecks. Pachuco is correct in that any life insurance policy will cover you in a moto accident unless for some reason it's excluded.
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Old 04-11-2011, 10:10 AM   #4
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Quote:
Originally Posted by Pachuco View Post
all life insurance would cover incase of a moto accident. If it doesn't, then your buying something from a welfare agent and carrier. Just saying
I have 3 different life policies (one whole, one term, one through work).

Many policies exclude "risky" behavior. Sky diving, scuba diving, etc.

I was looking for an extra policy that would only cover a MC accident only like my car accident coverage. Because it only covers a MC accident it should not be as expensive as the same amount covering all cases.

This way the kids mom wouldn't at me about riding and might actually want me to ride more.... I would just need to be sure to do the whole checklist before getting on the bike each and every time
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Old 04-11-2011, 10:12 AM   #5
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Quote:
Originally Posted by bioGuru View Post
I have 3 different life policies (one whole, one term, one through work).

Many policies exclude "risky" behavior. Sky diving, scuba diving, etc.

I was looking for an extra policy that would only cover a MC accident only like my car accident coverage. Because it only covers a MC accident it should not be as expensive as the same amount covering all cases.

This way the kids mom wouldn't at me about riding and might actually want me to ride more.... I would just need to be sure to do the whole checklist before getting on the bike each and every time
you can buy as many as you want, as long as your assets and income justify the policies, but there is not such thing as a moto life policy only
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Old 04-11-2011, 10:15 AM   #6
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Quote:
Originally Posted by Pachuco View Post
you can buy as many as you want, as long as your assets and income justify the policies, but there is not such thing as a moto life policy only
ok cool! thanks!!
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Old 04-11-2011, 10:20 AM   #7
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Quote:
Originally Posted by bioGuru View Post
ok cool! thanks!!
No worries, there are policies that exclude risky behavior, but NORMALLY, moto is considered transportation, so they can't take that out. A work policy could exclude it if they asked for it, so it wouldn't hurt to read the contract. But most major carriers will include it
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