Harley-Davidson Finance & Insurance

Insurance:

No other insurance agency takes better care of motorcyclists than Harley-Davidson Insurance Services.Here are the Top 3 Reasons to get Rider coverage through H-D Insurance Services

1. Our insurance counselors are fellow Harley-Davidson enthusiasts who know, first hand, the protection you want and need.
2. Get protection for you, your bike, your passengers, your H-D® MotorClothes® apparel, your accessories – your ENTIRE ride.
3. You can save big time with a variety of discounts, including H.O.G.® Membership, Multi-Bike Coverage, Security In Place, and Safe Driver discounts.

Extended Service Plan:

Take action before your factory warranty expires. Unfortunatley, you can't buy the Harley-Davidson Extended Service Plan after your factory warranty expires. It protects you from costly repairs if you’re ever faced with them. What does the Harley-Davidson Extended Service Plan cover?

• Fender-to-Fender protection against mechanical breakdowns lets you ride worry free for years. Plans are available for both new and used Harley-Davidson® and Buell® motorcycles.
• Locked-in repair costs: All you'll ever pay is the $50 deductible for covered repairs per visit, not per repair.
• Protected Resale: The H-D Extended Service Plan can be transferred to a new owner for free. This ensures that you'll get the highest possible resale value for your motorcycle.
• Travel Protection: Reimbursements provided for a rental car, pickup charges, hotel and your meals*. We'll never leave you stranded.
• Payment Options: You can pay for this valuable protection with the Harley-Davidson® Visa® Card, or include it with your loan from Harley-Davidson Credit.

You can always feel free to stop by Red Rock Harley-Davidson and speak with our Finance & Insurance consultant for further details.

Protection Plans

Guard against the unexpected. For the extra measure of protection against unpredicted pitfalls, Harley-Davidson Credit Life & Disability and GAP Program are services available to help you.

Credit Life & Disability
Harley-Davidson Credit Life & Disability covers your motorcycle loan payments should a covered accident or illness disable you. The plan will take over during the disability (after a short waiting period) and make the scheduled loan payments for as long as you are disabled and a balance remains on your loan. In the case of premature death, the Credit Life Insurance pays your motorcycle loan debt. Which means your loved ones will have one less thing to deal with. With both plans, you only purchase the exact amount of coverage you need. No physical exam is necessary to get coverage. Just answer a couple questions, sign up and the low cost protection can be included in your loan payment—easy and affordable peace of mind.

GAP Program
For many Harley-Davidson owners, if their motorcycle is stolen and never recovered, chances are they will have to pay the “gap” between their insurance company payment and the loan payment. Often H-D owners assume that their primary insurance will cover any loss related to their motorcycle. In reality, the actual cash value that an insurance company places on your motorcycle may be substantially less than the outstanding balance on your loan. Especially if you have a 48-month or longer loan term, put less than 20 percent down or financed accessories into your loan. Who pays the difference or the "gap" between your insurance company and your loan payoff? You do! The GAP Plan pays the difference between the fair market value of your vehicle and the outstanding balance of your loan on the date of loss up to $25,000.* Plus, your insurance deductible may be covered up to $1,000. With your loan balance paid in full and your deductible covered, you can move on to purchasing a new motorcycle. * Programs may vary by dealer/lender/state. Please refer to your GAP Addendum for details of the terms and conditions of this coverage.