A Complete Guide to Street Bike Safety Gear

a17_cStarting out on a street bike is no easy task. Apart from doing the research, finding a reputable dealer, and pulling the trigger, the right gear is just as important in the buying process. Not only will this gear provide your clients with the necessary protection, it will ensure the rider’s comfort during the trip. Therefore, here is a comprehensive list of all the pertinent safety equipment needed for both new and experienced riders. Further, ensure a customized Street Bike Insurance Program is carried at all times to mitigate risk and financial responsibility, and share the following with your clients.

Helmet.

First and foremost, the right helmet is a must. While there are plenty of different types, ensure a full-faced helmet is worn all the time. According to a study published by Dietmar Otte, 45% of all impacts to motorcycle helmets occur around the face, in an area not covered by open-face or ¾-type helmets. Says Ride Apart.

Further, get the right type of helmet for the riding that will be done. Remember, street bikes are much different than dirt bikes. Like the crumple zone in a car, helmets are also designed to destroy themselves in a crash, thereby dissipating the energy that would otherwise be transferred to your head. Sometimes, a helmet can experience a crash without external signs of damage, but still sustain unseen effects. To ensure that your helmet is fully capable of protecting you, always buy a new helmet from a reputable retailer and then treat it like a baby, never allowing it to fall to the ground or otherwise be damaged, says Ride Apart.

Jackets.

Not only does the jacket protect the skin against abrasions in the event of an accident, but it protects the organs, the back, and ribs, as well. Purchase a jacket that is weather-resistant to keep the rider dry and cool during rides. Further, the jacket should be strong enough to absorb potential impact and should come with a “CE” safety rating. Lastly, ensure the jacket fits snugly but also allows full movement of the arms.

Riding pants.

Like jackets, pants are available in leather or textile materials and should be equipped with CE-rated armor in the hips, shins and knees. They should fit snugly, but comfortable and allow full leg articulation. Try them on a bike, in a riding position close to that of your own to determine if they’ll work, says the article. While jeans may be comfortable, they are not going to protect against abrasion and other injuries in an accident, so dress appropriately to ensure safety.

Aegis Powersports provides specialized dealer F&I products to powersports dealerships, including service contracts, road hazard protection, priority maintenance, gap, etch, GPS tracking, theft deterrent and appearance protection. All Aegis Powersports products are backed by Aegis Security Insurance Company, rated “A” (“Excellent”) by A.M. Best and operating on an admitted basis in all states.

At K2 Insurance Services, LLC, we are dedicated to creating a leading underwriting and distribution franchise both in the standard and specialty program insurance markets. K2 was formed by two insurance industry veterans with the purpose of acquiring managing general agents and developing multi-line programs. Our goal is to distribute innovative products through retail and wholesale distribution channels. To learn more about our services and partners, please contact us today at (855) 976-8113 or visit K2INS.COM.

What are Powersports Coverages and Who Needs Them?

Powersports coverages are designed to protect riders of motorcycles, scooters, dirt bikes, ATVs, UTVs, personal watercraft, jet boats and snowmobiles.  Aegis Powersports’ products provide a carefree riding experience and help riders avoid the known financial expenses of owning a powersports vehicle.  Plus, through our affiliate, Aegis General Insurance Agency, riders can get access to agents nationwide and quickly obtain an insurance tune-up to protect against accidental loss – even with major/minor tickets and accidents.

Mechanical Breakdown Contracts – A health plan for your ride.  Your powersports vehicle is only as strong as its component parts so it is important to secure long-term protection on the following components to ensure years of riding enjoyment. Enjoy nationwide coverage on the following components: electrical, engine, transmission, primary and final drive, steering, differential, ABS, fuel system, seals & gaskets, front and rear suspension and instrumentation.* Our unlimited mileage mechanical breakdown plans protect your investment, peace of mind, and time. We offer a $0 deductible on all of our 12, 24, 36, 48 and 60-month new and used contracts with options to transfer your contract to a subsequent owner or seek renewal of your protection.

Tire, Wheel and Towing – Tires and wheels are a major unexpected expense and now more frequent due to the conditions of our roads. For less than the cost of a single tire and wheel, you get tire and wheel replacement peace of mind for the road ahead.

GAP – Protect yourself from the difference between your loan balance and what your insurer will pay out in the event of a total loss. You also receive the reimbursement of your insurance deductible.

Priority Maintenance – Select from 6 Services, 3 Services or our award-winning Oil and Filter Plan. You save on maintenance, prevent major breakdowns, and improve resale.

Etch Theft Deterrent – Etch is a unique theft deterrent system that imprints a traceable alphanumeric code onto your powersports vehicle. This etching both effectively helps to deter theft and is used to help identify and recover the vehicle in the event of a theft. In the event of an unrecovered theft, you are also eligible for a cash settlement towards your replacement bike. Our product provides theft protection so check with your insurance company about a comprehensive policy discount.

GPS Tracking and Theft Recovery – Locate your bike from anywhere in the world and perform remote security functions from your phone.  All of our GPS products come with 3 years of tracking services included making this your best choice for worry-free tracking and security.

Appearance Protection – Paint. Chrome. Leather. We protect it all! Remember what your new motorcycle looked like on the showroom floor? You can enjoy that look longer with our appearance protection. New or used — 5 years of protection!

Benefits

  • Most products are transferable.
  • Improved resale value.
  • $0 deductible included or available on all units.
  • National coverage.
  • Direct payment. Aegis works directly with dealerships on behalf of riders to minimize paperwork and frustration when filing a claim.

Aegis Powersports is the dealer services division of Aegis Extended Service, LLC, a subsidiary of K2 Insurance Services LLC.  All of our products are fully insured by Aegis Security Insurance Company, a company founded in 1977, licensed in all U.S. jurisdictions and known for its A.M. Best ‘A’ rated (“Excellent”) ability to pay claims.  Aegis General Insurance Agency, National Producer Number 957388.

At K2 Insurance Services, LLC, we are dedicated to creating a leading underwriting and distribution franchise both in the standard and specialty program insurance markets. K2 was formed by two insurance industry veterans with the purpose of acquiring managing general agents and developing multi-line programs. Our goal is to distribute innovative products through retail and wholesale distribution channels. To learn more about our services and partners, please contact us today at (855) 976-8113 or visit K2INS.COM.

*Coverage level availability may be limited based on vehicle age and mileage.