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5 Ways Motorcycle Insurance Differs from Car Insurance

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Many people don’t realize that motorcycle insurance differs from car insurance in a few important ways. Here are five of the key differences between your motorcycle insurance and your car insurance.

Motorcycles are usually more expensive to insure than cars

If you would Compare car insurance With motorcycle insurance, you would quickly find that motorcycles are usually more expensive to insure than cars. There are a number of factors that go into the cost difference.

  • First, motorcycles are more likely to be involved in accidents than cars. One of the reasons for this is that motorcycles are less visible on the road and also more difficult to control on the road.
  • Second, motorcycles are more likely to be stolen than cars. This is because motorcycles are small and easy to transport, making them an attractive target for thieves.
  • After all, motorcyclists are more likely to be reported for speeding and other traffic violations than car drivers. This is because motorcyclists can travel much faster than motorists, and they often do so without proper safety equipment.

As a result, insurance companies are charging higher rates for motorcycle insurance to offset the increased risk.

Motorcycles offer less protection than cars in an accident

There is no question that motorcycles offer less protection than cars in the event of an accident. Drivers are more exposed to the elements and have less material between them and the ground or other vehicles.

As a result, motorcycle accidents often lead to more serious injuries than car accidents. However, this does not mean that motorcycles are inherently dangerous. In fact, many people enjoy motorcycling precisely because it provides a sense of freedom and exhilaration that cars just can’t match. And when ridden responsibly, motorcycles can be just as safe as any other vehicle on the road. However, the additional danger increases motorcycle insurance compared to car insurance.

motorcycling

Motorcycle insurance usually includes coverage for personal belongings.

Another difference between motorcycle insurance and car insurance is that they usually include coverage for personal items. This is because riders often carry their belongings with them on their bikes, and these items can be damaged or stolen in the event of an accident.

Motorcycles require special skills to ride safely. Because of this, many insurers require you to complete a safety course before they will insure you.

The first motorcycle was built in 1889 and they show no signs of going away any time soon. They are popular because they are fun and provide a sense of freedom that few other vehicles can match.

But motorcycles also have some inherent risks. They are less stable than cars and much more exposed to the elements. Therefore, motorcyclists must have special skills to operate their bike safely.

Many insurers will require you to complete a safety course before they will insure you and this is definitely something to consider if you are considering buying a motorcycle. In this course you will learn how to operate your bike correctly and avoid typical dangers. Once you complete the course, you’ll be better prepared to deal with whatever the road throws at you.

You may need to purchase additional insurance if you intend to ride your motorcycle during the winter months.

When it gets colder, many motorcycle fans put their bikes away for the winter. However, if you live in a warmer climate or just can’t face being without your bike for that long, you might be wondering if it’s safe to ride during the winter months.

While there are no hard and fast rules, there are a few things to keep in mind.

  • First, you may need to purchase additional insurance coverage. Many policies exclude winter driving, so be sure to check with your insurer before heading out.
  • Second, you should consider investing in cold-weather gear. A good pair of gloves and a helmet with a visor can make a world of difference when riding in cold weather.
  • Finally, be extra careful when braking and turning, as ice and snow can make the roads slippery than usual.

With a little planning and preparation, you can safely enjoy motorcycling all year round.

You may need to purchase additional coverage if you intend to race your motorcycle on a racetrack

This is because motorcycle racing is considered a high-risk activity and riders are more likely to be involved in an accident.

As you can see, there are some important differences between motorcycle insurance and car insurance. These differences can make it more difficult and expensive to insure your motorcycle than your car. However, it is still possible to find cheap motorcycle insurance if you shop around and compare rates from different insurers.

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Giant Loop Mojavi Saddlebag Review

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Giant Loop Mojavi saddle bag on test


‘Go light, go fast, go far.’ I like that ethos. giant loop certainly seem to be one of the first brands when it comes to soft luggage options.

This is especially true for small to mid-capacity enduro and adventure bikes, but they’re great quality gear for larger bikes too. When I asked for opinions and options for some small rackless saddlebags for my 350, the Giant Loop Mojavi kept popping up.

Giant Loop Mojavi Saddlebag

The need was pretty basic for me, but it could vary from rider to rider. I had some “longer than my fuel tank will last” legs in a planned ride, so I had to take some fuel with me. Only a few liters, but I didn’t want to throw it in a larger backpack.

I looked at the option of a fuel bladder (Giant Loop has some good options there too). But in the end I decided I might as well get a set of saddlebags and throw in some more gear to lighten my pack and reduce fatigue. Seemed like a no-brainer.

Customization was a breeze, even for someone affectionately described as having “feet for hands” when it comes to wrenches. One of the beauties of the Mojavi setup is that most bikes don’t require any kind of mount or rack.

Giant Loop Mojavi Saddlebag

You can get a small platform to attach to your rear fender if you want, but it easily attaches to the sides with the included fender hooks and “pronghorn strap” so I went with that.

This means that when I’m not using the saddlebags my bike retains the clean lines of a weekend enduro and I can pretend I’m Toby or Mani or whoever I’ve been watching with awe lately.

It comes with a nifty heat shield that simply wraps around your muffler to create an air gap between the muffler and your bags to avoid melting. This heat shield attaches in minutes, you trim the excess from the clamp tape, place a neat little strip of rubber over the end to remove sharp edges and bingo bango bongo, and you’re good to go.

Giant Loop Mojavi Saddlebag

Then all you have to do is flip the saddlebags over, attach the fender hooks to your fender, and thread the front straps down and around your frame to hold them firmly in place. Easy.

Giant Loop Mojavi Saddlebag

So what about usage? Actually damn good. Here are a few observations I made after a thorough test run:

  • Although it’s labeled 12 litres, I expect you’ll lose a bit of usable space with that slim shape, depending on what you’re looking to pack. For example I run:
    • A full tool roll and medical kit on the right.
    • 2L fuel in used 1L oil containers, a fold out saw for fallen limbs, a bike pump, puncture repair kit and canisters, spare gloves, goggle cloth and a bag of snakes (my favorite trail fuel) on the left side furthest from the exhaust . Just in case.
  • It’s made from a material Giant Loop calls “bombshell,” which looks quite similar to the material used for truck tarps. I don’t see water coming through that fast. Despite this, it is not marked as waterproof, but as waterproof. Undoubtedly some water can get in through the zippers even though they are covered. For what it’s worth, mine were bone dry in terms of water and mud spatter after a flogging. They only let a tiny amount of water through after I hit them with the pressure washer to see how that would go.
  • On my Husky 350 I ended up cutting off a small piece from the top edge of the heat shield to make it fit better. And then I threw some tape on the surface change from the heat shield to the side plastics to make sure that edge didn’t rub through when it moved. I also threw some tape on the inside edge of the saddlebags, just in case.
  • My side plastics have been well used but if yours are new and shiny and you want to keep them as is it may be worth putting some clear protective vinyl over your plastics if you want to avoid scratches. I found that when I had mud caked my bike and it got under the bags it would rub a little and then scratch. No more than normal wear and tear from boots etc but a bit of vinyl wouldn’t take much effort and would extend the look of any nice new plastic.
Giant Loop Mojavi Saddlebag Muffler Guard
  • I also run Steg Pegz on my bike, which seemed pretty much right on the path where the straps on the right side were going to go, so I ended up getting the optional Giant Loop mounts that bolt to your frame, which provide better performance Adjust free of Steg Pegz.
  • The central area on the back has a row of Molle-style tabs to attach additional pouches to if needed (or a license plate with zip ties – try it, it fits perfectly).
  • Packing all of that into saddlebags allows me to carry a smaller backpack with just water, keys, phone, wallet, a spare lens, and any GoPro or camera gear I want to take with me. All that easy stuff. On shorter rides where I don’t need to carry fuel, I throw in a few extra water bottles instead and go even lighter on the pack front. Noise.

After a few rides with it, I’m convinced. Good quality bag. Nice and slim line and does not interfere in any way when climbing or driving, even on tight singletrack. It’s not as wide as your legs.

Giant Loop Mojavi Saddlebag

The boys were keen to stop by each rest stop to check them out and see how they were doing. Or was it just an excuse to grab some of my snakes. Luckily there is enough space for a jumbo bag…

Get yours (and every other one in the Giant Loop range) at Whites Moto now https://www.whitesmoto.com.au/collections/giant-loop – Thank you guys.

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Harley-Davidson launches REV M4X extended warranty offer

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FIRST seen in the super-powerful Pan America 1250, the Harley-Davidson Revolution Max engine is one of the American manufacturer’s most advanced engines.

With a chain driven camshaft, variable valve timing, water cooling and 150 horsepower on tap, it’s fair to say Harley-Davidson riders have never experienced anything like it. To make riders feel more comfortable with this new prodigy, the Bar and Shield brand now offers a four-year warranty on all revolution max REV M4X models.

And that doesn’t just cover the current 1250s, the smaller Nightster we rode earlier this year is also included in the deal. Bikes are included Pan America 1250 and Pan America 1250 Special, Nightster 975 and Sportster S. However, customers who want to take advantage of the free two-year optimal warranty extension (that is in addition to the standard two-year HD warranty plus roadside assistance) must hurry, as the offer is available from now until 31 December 2020St December.

The offer builds on the existing two-year warranty and roadside assistance programs, doubling both for a total of four years of warranty and four years of Harley Assist roadside assistance. As the offer began at the start of the recent Motorcycle Live show at the NEC, any customers who deposited or made purchases after the show will already be included in the deal.

For more information on the Harley-Davidson REV M4X offer, speak to your nearest HD dealer.

Mick Extance & Harley-Davidson Adventure Center

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Running Against the Wind

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Twenty-four hours of 110-mph-plus winds, followed by five days of no power, internet, or phone service.

Hurricane Ian had made landfall the previous Wednesday. Power went out that morning. I had hoped that the eye of the hurricane would pass over my house in Port Charlotte, giving me a brief respite during which I could view any damage, but the center of the storm tracked 10 miles to the east, causing Port Charlotte to get the storm at its peak power. Exceptionally high winds and rain, coupled with the storm’s slow progress, guaranteed it would cause a great deal of damage in southwest Florida.

Related: Appalachian Zigzag

After the storm passes, the cleanup begins.

After the storm passes, the cleanup begins. (Philip Buonpastore/)

Storm winds were strong enough to knock over a truck.

Storm winds were strong enough to knock over a truck. (Philip Buonpastore/)

In the days following the storm, I cooked everything in my cold storage on a barbecue grill or over cans of Sterno, using my imagination to create palatable results. While the experience certainly increased my backwoods culinary skills, I eventually reached a quitting point.

Pasta is boiled over a makeshift Sterno stovetop.

Pasta is boiled over a makeshift Sterno stovetop. (Philip Buonpastore/)

Dinner is served.

Dinner is served. (Philip Buonpastore/)

Sunday found me driving a hundred miles east to Lake Okeechobee to get gasoline for my car and generator, avoiding the mile-long lines at the few Port Charlotte gas stations that had managed to get up and running. The 200-mile round trip became an all-day excursion thanks to downed trees, power lines, and nonfunctioning traffic lights. The rule for intersections with inoperable traffic lights is to treat them as a four-way stop, but major four-lane intersections with turn lanes become a bit unpredictable when the lights are not working. The long day’s drive was the deciding factor; with reports of services being out for at least several more days, a decision was in the offing.

Hmmm. What to do. What to do? Road trip.

Related: The Joy Of Motorcycle Reacquaintance – Part 2

Who’s on first. What’s on second. I-don’t-know’s on third.

Who’s on first. What’s on second. I-don’t-know’s on third. (Philip Buonpastore/)

Monday I did maintenance checks and packed my bike with plans to leave early the next morning. I would visit Atlanta, stay with family, and catch up with old friends until I received word that my neighborhood’s power had been restored. To avoid the many storm-related travel problems throughout southwest Florida, I would take the long way around, heading east back to Lake Okeechobee, then north to Jacksonville before heading northwest through rural Georgia to Atlanta. The Jacksonville-Atlanta ride was a nice one that I had ridden before. An overnight stop was an option, but if I were up to the challenge, I could opt to complete the entire ride on Tuesday, although doing so would make it a very long riding day.

The Long Ride

At 6:45 a.m., I thumbed the starter and rolled out of the driveway. My early start time ensured I’d encounter the least possible traffic while leaving the worst of the storm damage in my mirrors. A full tank of gas meant I wouldn’t have to fill up until I reached the east coast, clear of storm-damaged areas and the resulting long gas lines.While the general idea was one of escape, I included some scenic routes in the planning process. I’d cross the state on state Route 74, which cuts straight as an arrow due east, and enjoy the sunrise as I headed toward Lake Okeechobee. From there, FL74 led to Highway 27 and FL78 before reaching the town of Okeechobee and Highway 441 just north of the lake.

The perfect weather was a welcome relief from the previous week’s fury.

The perfect weather was a welcome relief from the previous week’s fury. (Philip Buonpastore/)

Highway 441 is a designated scenic highway in this area, and as compared to other typically straight and flat roads of Florida, it was quite a nice ride.

On a late Tuesday morning, I had the scenic highway all to myself.

On a late Tuesday morning, I had the scenic highway all to myself. (Philip Buonpastore/)

As bad as Hurricane Ian had been, it had left spectacular weather in its wake, pulling out all cloud cover and humidity and bringing the first cooler temperatures of the year. With temperatures in the mid-70s and virtually cloud-free skies, the weather for a long ride could not have been better.

The parallel route from Highway 441 to Interstate 95 allowed me to ignore the interstate while maintaining interstate-like speeds through scenic open country and wildlife preservation areas. I slowed only for a few picturesque old-Florida towns along the way.

At Highway 192 and the Herky-Huffman/Bull Creek Wildlife preservation area, I headed east toward I-95. At Deer Park Road/County Road 419, I found one more detour to delay the inevitable interstate. Deer Park Road joins Nova Road/CR532 and ends at Highway 520 west of Cocoa; then it was east to I-95.

At I-95, an enjoyable morning ride gave way to the business end of the day’s travel. For the next two hours, I had 160 miles to put behind me. Surprisingly strong crosswinds meant the miles to Jacksonville were that much more of a chore. By Jacksonville, it had already been a long riding day.

I pondered the good sense decision to stop for the night, but stopping would mean a fairly large dent in the budget, and I had the entire next day to rest up. I pushed on. Taking I-295 west around Jacksonville led to FL23 and a northwestern “dead reckoning” ride by map toward Macon, Georgia.

At a road-weary late afternoon stop for gas in Douglas, Georgia, I knew I was pushing the envelope. I’d already spent 10 hours on the bike and had some four hours left to go. I knew that a stop to rest and eat was called for, but I wanted to get out of rural Georgia before sunset, when the deer and the antelope play. Providence intervened when a long slow-moving commercial train blocked my route on the north side of town. I was annoyed at first, but realized it was perfect timing; I would have kept going when I should have stopped, and when a break and dinner were thoroughly needed.

The sun had swapped places with a crescent moon by the time I reached I-16 at Macon. Another two hours and I reached Atlanta, pulling into my cousin’s driveway at 9:30 p.m. It had been a nearly 15-hour riding day, one of my longest ever.

Wednesday was a day of well-earned R&R, followed by an evening out listening to a great Atlanta band and visiting with old friends. I would be ready to take in some favorite Georgia rides on Thursday.

An evening of fun at Atlanta’s Tin Roof Cantina.

An evening of fun at Atlanta’s Tin Roof Cantina. (Philip Buonpastore/)

The Southern Georgia Triangle

The town of Monticello is about 50 miles southeast of Atlanta, but that 50 miles takes you back a century in time to a bucolic and pastoral town of old Southern charm. It’s a good starting point to enjoy three intersecting scenic highways, GA16, GA11, and Highway 129, which form a large inverted triangle with Monticello at the upper left vertex. Wanting to fill the day with as much scenic highway as I could, I rode I-75 south out of Atlanta to Locust Grove, where GA16 heading east from I-75 is also a designated scenic highway for the 26 miles to Monticello.

A stop on GA11 at the Hillsboro Post Office.

A stop on GA11 at the Hillsboro Post Office. (Philip Buonpastore/)

This looks to be about as authentic Southern barbecue as you can get.

This looks to be about as authentic Southern barbecue as you can get. (Philip Buonpastore/)

The three-road triangle runs through the Piedmont National Wildlife Refuge, forested all the way, with mild curves, long sweepers, and gently rolling hills. At Monticello, taking GA11 southeast to the town of Gray completes the first leg of the triangle, leading to Highway 129 northeast to Eatonton before returning west to Monticello again on GA16.

Temperate autumn weather meant a slow pace with frequent stops to photograph local architecture.

Temperate autumn weather meant a slow pace with frequent stops to photograph local architecture. (Philip Buonpastore/)

Another day of picture-perfect weather found me stopping often to take photos of old churches and restored antebellum houses, quaint small-town businesses, and magnificent stretches of perfectly paved pecan-tree-lined highway. While uninterrupted travel time around the loop is only about two hours, stops for photos and local restaurants filled a beautiful afternoon ride.

A 50-mile ride from metropolitan Atlanta takes you back a hundred years.

A 50-mile ride from metropolitan Atlanta takes you back a hundred years. (Philip Buonpastore/)

Where can you still find a painted “Drink Coca-Cola” sign? In Eatonton, Georgia.

Where can you still find a painted “Drink Coca-Cola” sign? In Eatonton, Georgia. (Philip Buonpastore/)

Completing the triangle brings you back to Monticello, where taking GA11 north to I-20 leads back to Atlanta. While this leg of GA11 is not a designated scenic highway, virtually every road in this area provides spectacular views.

A magnificent stretch of perfectly paved pecan-tree-lined highway.

A magnificent stretch of perfectly paved pecan-tree-lined highway. (Philip Buonpastore/)

On Thursday evening, I received a text from a neighbor: The power was back on. While my house was generally undamaged by the storm, I had lost some roof shingles and a large tree in the backyard had several broken limbs hanging loose. The storm had taken the wet weather with it when it left Florida, but the dry spell would likely not last long. I wanted to make sure that the shingles were replaced and the potential tree limb danger was addressed before the next rain. I decided to head home on Saturday.

That left Friday for one more great ride. Georgia State Route 60 is right in the heart of Georgia’s piece of the Blue Ridge Mountains, and it’s one of the best examples of a road seemingly made for motorcyclists, from its beginning about 9 miles north of Dahlonega until it reaches the Tennessee border at McCaysville. Its first 7 miles are also part of a three-road loop known as The Georgia Triangle, consisting of GA60, GA180, and Highway 129-19. The Triangle is as well known to Southern riders as Deals Gap is in Tennessee. While I usually make a point of riding the triangle every time I’m in the area, GA60 is a stand-alone great ride in itself, and it had been a long time since I had ridden the road from beginning to end.

Winding up through the Blue Ridge Mountains on Georgia’s State Road 60.

Winding up through the Blue Ridge Mountains on Georgia’s State Road 60. (Philip Buonpastore/)

From its start at its intersection with GA19-129, at a location known as Six Gap, the road climbs 1,400 feet in the first 7 miles to Suches. On the way up the mountain, I experienced a motorcyclist’s worst nightmare. Coming around a blind left curve on the twisting mountain road, a pickup truck was traveling a full 2 feet over the centerline and well into my lane, at a location where only a guardrail stood between the road and a steep drop-off to the right. Up in those parts, you remain both constantly vigilant and in dread of such a possibility, and I was prepared. Without even a moment to hit the horn, I moved as far to the right as I could without going off the road, skirting the painted yellow edge line to avoid the truck.

It is difficult for me to imagine the mindset of a driver who seems indifferent to placing another human being’s life in danger, whether that indifference comes from callous disregard, intoxication, inattentiveness, or simple ignorance. Had I been driving a car, there would likely have been a head-on collision on that twisting mountain road. I put the near miss behind me, in miles and in spirit, and continued on to enjoy the day.

Which I certainly did. Well known to riders in the southeast, Two-Wheel of Suches (formerly Two Wheels Only) is a long-established motorcycle lodge, restaurant, and campground that caters to two-wheeled travelers. It has been a favorite stop of mine for over 20 years, both for the great burgers and the informative two-wheeled conversation. As is always the case, the parking lot was full of bikes and riders of all stripes. It’s good to see the place still going strong.

No ride in north Georgia would be complete without a stop at Two Wheels Suches.

No ride in north Georgia would be complete without a stop at Two Wheels Suches. (Philip Buonpastore/)

The leaves were just beginning their annual color change, with the low autumn afternoon sun backlighting on an angled ecliptic. North of Suches, GA60 is a continuous series of twisted turns and short steep grades for miles. Having previously lived in Dahlonega, I knew this road well, but residing in straight and flat Florida for a number of years, I paid extra attention to my lane position, braking, and gear selection while I got my sea legs back.

Around every curve was a great photograph, but tight twists and turns with no shoulder and quick drop-offs made stopping for photos a rare opportunity. North of Mount Pleasant Baptist Church the road straightens and flattens a bit, so stops are easier. Next time I’ll have a GoPro for this ride.

Around every curve was another great photograph.

Around every curve was another great photograph. (Philip Buonpastore/)

Tuesday afternoon, I’m just beginning to see, now I’m on my way…

Tuesday afternoon, I’m just beginning to see, now I’m on my way… (Philip Buonpastore/)

My exit for the day was at Blue Ridge, with a stop at the serene blue lake for the last photos of the day, returning south to Atlanta via Highway 76 and I-575. McCaysville at the Georgia-Tennessee border is another 10 miles down SR60, but it was late afternoon and I had plans for my last night in town. Evening brought another favorite music venue with a great band and the opportunity to catch up with friends from my Atlanta days. I’d packed a lot into an impromptu five-day vacation.

The serene and peaceful Lake Blue Ridge was my last stop of the day.

The serene and peaceful Lake Blue Ridge was my last stop of the day. (Philip Buonpastore/)

And it wasn’t quite over. While the ride from Atlanta is typically another long day on the interstate, I knew from previous experience that I-75 from Gainesville to Tampa often has traffic backups that can last for miles. I don’t know of a worse travel experience than being on a motorcycle in stop-and-go traffic on an interstate highway. Checking Google Maps at the Florida border showed that traffic jams were indeed the case. Some improvisation was called for.

Putting the Bike Before the Horse

Some of Florida’s best riding can be found north of Tampa and west of I-75 in the rolling hills of Florida’s equestrian country. Even though it meant extending an already long ride, I exited the interstate south of Lake City to Highway 41 toward High Springs. It was a late afternoon and a perfect time to ride the rolling hills of northwest Florida, past horse ranches and equestrian parks, keeping up a good clip on sparsely populated, perfectly paved highways, again with only old Florida small towns to supply interest and gear changes. Riding in what photographers call “golden hour” I stopped for pics on a beautiful overhanging tree-lined section of the highway. I’m glad I took the detour.

Great rural highways beat interstate travel any day of the week.

Great rural highways beat interstate travel any day of the week. (Philip Buonpastore/)

Just after sunset at Lake Hernando, near the town of the same name, I took the last photo of the week, of the bike in front of the lake with a full moon overhead.

A full moon rises over Lake Hernando, Florida.

A full moon rises over Lake Hernando, Florida. (Philip Buonpastore/)

The Suncoast Highway, Highway 589, is a north-south toll road that runs from Lecanto to the Tampa-St. Pete area. It’s a far superior ride to I-75, usually near traffic-free and well worth the five-buck toll. Having a SunPass transponder in the saddlebag allowed forward progress without interruption. Approaching Tampa, I dodged several kamikaze drivers who would just as soon kill you as look at you. Man, the world sure is getting to be a crazy place. The detour extended the normally nine-hour ride to ten and a half; another long riding day. While I know that occasionally I ought to stop for an overnight, I am pretty used to saddle time at this point.

For an impromptu hurricane escape route, I could not have asked for better conditions; clear skies, cool but comfortable temperatures, great rides and some needed reconnections with old friends. A few days later I replaced the shingles on my roof with the help of a cousin. We finished 90 minutes before the first rainfall since the hurricane. Providence indeed.

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