Riding Gear Coverage
Insures the protective gear you wear — helmet, adventure suit, boots, gloves, and comms — which for serious ADV riders often represents $2,000 to $8,000 of equipment.
What's Covered
Included in this coverage
- Helmets, including modular and ADV-specific designs
- Adventure suits, jackets, and riding pants
- Boots, gloves, and base layers
- Body armor and impact protection
- Communication systems and intercoms
- Gear damaged in a crash, stolen, or lost in transit
Quality adventure gear isn't cheap, and that's by design — it's engineered to protect you in a crash and keep you comfortable through heat, cold, rain, and long days in the saddle. A modern ADV kit can include a $400 to $1,500 helmet, an $800 to $3,000 adventure suit or jacket-and-pant combo, $200 to $500 boots, gloves, body armor, and a $200 to $800 communication system. It adds up fast — most committed riders are wearing $2,000 to $8,000 of gear every time they throw a leg over the bike.
Standard motorcycle policies treat gear as an afterthought, often capping coverage at $500 to $1,000 — far below what a serious adventure kit is worth. Gear coverage raises that limit so your protective equipment is properly insured whether it's destroyed in a crash, stolen out of your panniers or a motel room, or damaged in transit.
The cruel math of a crash is that the same impact that bends your bike also shreds your gear. A single off can total a $1,500 helmet and a $2,000 suit in seconds — and that gear did its job by absorbing the hit. Gear coverage means you can replace your protective equipment without it coming straight out of pocket, so you're ready for the next ride instead of compromising on safety to save money.
Common Questions
Riding Gear Coverage FAQ
Why do I need separate gear coverage?
Because standard policies typically cap gear reimbursement at $500 to $1,000, which doesn't come close to replacing a full adventure kit. Gear coverage raises that limit to match the $2,000 to $8,000 of equipment most serious ADV riders actually own.
Is my gear covered if it's stolen but I wasn't in a crash?
Yes. Gear coverage protects your equipment against theft — including gear taken from your panniers, a motel room, or a trailer — as well as crash damage and loss in transit, depending on your policy terms.
Should I replace gear after a crash even if it looks fine?
Often yes. Helmets and armor are designed to absorb a single impact and may be compromised even without visible damage. Gear coverage helps you replace protective equipment after a crash so you're never tempted to keep riding in gear that's already done its job.
Ready to Add Riding Gear Coverage?
Tell us how you ride and we'll build a policy that covers every scenario. Free consultation — 15 minutes, no obligation.