I purchased a separate policy for my new Orca. If the bike is stolen - my homeowners policy will cover it - but if I or someone else wrecks it - then it will be covered under this policy. It will also cover it if it is wrecked while on the back of my vehicle. I will only carry the policy for one year - while the bike is new - then I will not carry this additional coverage - but with a $5000.00 bike I thought a few hundered dollars was a wise investment to protect it. Hope this helps.

Debi