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Can You Be Covered By Your Parents Motorcycle Insurance Policy?

Can You Be Covered By Your Parents Motorcycle Insurance Policy?

Many younger drivers wonder if they can be covered under their parents motorcycle insurance policy. If your parents have purchased insurance for their vehicles, they can work with an insurance company to get you added to their plan. Usually when more vehicles are covered under a single policy, the average cost to insure each one is reduced. So if you are thinking about adding your motorcycle to your family’s existing insurance plan, it may end up saving everyone money.

Covered by Parent’s Motorcycle Insurance Policy

Before you decide to get your own policy, talk to your parents and ask if you can be included under their existing coverage. If they are unsure about adding you to their policy, have them talk to their current agent and ask if your motorcycle could be insured with their current vehicles under a family plan. In most cases it is significantly cheaper to bundle all vehicles together under one policy. If your parents already have the motorcycle insured that you plan on driving, then all you need to do is discuss the insurance coverage with them.

Insurance agents will need to collect a copy of your current driving record and be notified as to whether you have taken any safety courses. Once they have collected your information, they will determine your average monthly rate. They will also factor in additional discounts that you may be eligible to receive. When the insurance company issues you an insurance card with your name and motorcycle information, you will be ready to ride.

Covered on Parents Policy: Pros and Cons

Keep in mind that there are various pros and cons associated with being on your parents insurance policy. Also understand that you won’t be insured under their policy forever, so eventually you may want to think about finding insurance on your own.


There are various benefits associated with being insured under your parent’s plan. The major benefit is that you will end up paying less than you would if you were on your own. Most parents will look out for their children by including them on their existing policy. Insurance companies offer flexible options that makes it easy to add new individuals for coverage.

  • Lower Premiums: Expect to pay lower premiums if you get coverage under your parents insurance policy. The risk associated with your parents is likely much lower than your risk as a younger motorcyclist. The fact that your parents have a reduced risk helps keep the premium costs lower.
  • Easier Payments: In many cases payment options are more convenient for families when all vehicles are insured under the same policy. Instead of having to make separate payments, insurance companies will allow one person to pay. So instead of having to keep track of bills on your own, your parents can pay – and you can pay your parents for your coverage. This makes it easier for you – especially if you are still in school or don’t have much financial backing.
  • Additional Discounts: Although the record of each driver is reviewed on an individual basis, you will qualify for additional savings by being covered under your parent’s plan. Since your parents may have a good credit, be homeowners, married, and have plenty of driving experience, they will have more potential for discounts. If they are in charge of making payments, you may get extra savings through their homeowners discount and/or for them having good credit.
  • Parent Savings: Not only will you save money, but you will likely save them money per vehicle. If you explain that adding your motorcycle to their existing policy is a good way to save, they may be interested. All they will need to do is contact their current agent or provider and discuss this possibility. Most companies will offer your parents savings for each additional vehicle that you add to the policy.


  • Increased Parents Premiums: Perhaps the biggest drawback associated with getting insured under your parents policy is that their premiums may be affected. Since you are a younger driver with less experience, your risk may be greater of getting into an accident than theirs. For this reason, you may slightly increase the amount that your parents are required to pay.

Benefits of Getting Your Own Motorcycle Insurance Policy

Let’s face it, not everyone can be added to their parents insurance policy. Many parents do not want their children driving up costs of insurance premiums with their higher risk. Other parents may want their children to be as independent as possible and get their own insurance policy as soon as possible. There are plenty of good reasons to go ahead and get your own policy.

  • Choose Your Insurer: Some people may not agree with their parents choice for an insurer. If your parents chose an insurance company with a poor reputation, you may not want to pick a different company. When you get your own coverage, you can research and choose any insurer you want.
  • Customize Coverage: Getting your own insurance means you can customize every aspect of your coverage. If you want to get a bare-minimum policy with basic liability, you can get it. If you want to add comprehensive, collision, and roadside protection, you can add those types of coverage. When you are on your own, you can get whatever types of coverage you want.
  • Payment Options: You will have the freedom to choose how often you pay your bills as well as your preferred method of payment. If you want to pay for everything online, you will have that option. If you would like to enroll in paperless billing, you can do that.
  • Discounts: Although you may be a higher risk driver, you can still qualify for discounts. If you get good grades in school or pass various driving tests, you may be eligible for savings. Even though the savings may not be as great as they would be if you were insured under your parents, you can still save yourself some money.
  • Independence: Some people like being independent. If you are an independent person and don’t need to rely on your parents, you may want to get your own insurance so that you don’t have to answer to them. You have the freedom to make policy changes, adjustments, etc. – whenever you want. You are in full control and can do whatever you’d like to your policy.

Parents Insurance vs. Your Own

What if you have the option of either getting your own policy or joining your parents coverage? What should you do? If you have options, you will want to weigh the pros and cons carefully. You should always talk to your parents about a few things including: the amount of coverage they expect you to obtain, what they expect you to pay (e.g. the full policy), and potential discounts. Ask your parents what they recommend and whether they would be willing to add you (and your motorcycle) to their existing policy.

Finding the Best Motorcycle Insurance Policy for You

If you are not getting coverage under your parent’s policy, you will need to search for your own provider. To help make the process as easy as possible, all you need to do is enter your Zip Code into the form below and click “Go!” From here you will notice a bunch of providers are listed in your area. All you have to do is get a free quote from each one and compare the policies. It will then be up to you to decide which company best suits your needs and budget.

If you have a tight budget and one company is offering a more affordable rate than the others – go with them for your coverage! If you are joining your parent’s existing policy, make sure that there isn’t a better deal out there for them. Use the form below to enter your Zip Code and collect some 100% free quotes!

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