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<\/figure>\n<\/div><\/div>\n<\/div>\n\n\n\nThe three tiers are:<\/p>\n\n\n\n
HARLEY | BARE BONES COVER\u2122<\/strong> – this is a completely new insurance level and does what it says on the tin. It\u2019s basic cover that provides protection and gets you road legal.<\/p>\n\n\n\n HARLEY | CUSTOM COVER\u2122<\/strong> – you pick the value-add elements you want to have, but do remember if you add a lot of features, cost-wise the next tier might actually provide better value. You can always call and ask a customer service representative to help you choose and save the most money.<\/p>\n\n\n\n HARLEY | ULTRA COVER\u2122<\/strong> – so, this is pretty much the full bells and whistles cover that we know and love, renamed. Includes European travel for periods up to 90 days at a time, Helmet and Leather Coverage, Roadside Assistance, including Homestart, relay and repatriation if required of rider, pillion and bike. With legal cover up to \u00a3100,000.<\/p>\n\n\n\n We asked Peter what each package had in common: \u201cWe still retain three important points that we feel make our offer unique in the marketplace, these are first and foremost the ability to ride other Harleys. As always when you are H-D insured, with the owner\u2019s permission you can ride their bike under your insurance.<\/p>\n\n\n\n \u201cOther exclusive benefits include Agreed Value Cover \u2013 all H-D insurance offers a no-quibble payout following a dealership valuation, including any bolt-on approved accessories, and obviously we have H-D Network Repair. All repair work will be done by trained and approved H-D technicians, not some faceless repair centre recommended by other insurers.<\/p>\n\n\n\n \u201cBut that\u2019s not all \u2013 all three tiers provide Multibike Cover. Provided you have at least one Harley you can add up to four additional bikes, regardless of manufacturer, which will save on multiple policy fees. And finally, there\u2019s also a Classic Bike Rating for any bikes over 10 years old.\u201d<\/p>\n\n\n\n According to Peter, if you\u2019re riding your bike abroad it\u2019s still definitely worth upgrading to the top tier. \u201cFor European travel we would always look at the Ultra Cover as this includes the Roadside Assistance with repatriation so you, any pillion and your bike can be transferred back home safely. Separate expense for this alone can be \u20ac2,000-\u20ac3,000 just for bike transportation.\u201d<\/p>\n\n\n\n And do we still get a H.O.G.\u00ae<\/sup> discount on the more value-orientated tiers? Definitely. \u201cOf course H.O.G. members still get their 10% discount in both the UK and Ireland! And remember, there are further discounts for IAM and Advanced Rider qualifications and if trackers are fitted.\u201d<\/p>\n\n\n\n INTERESTING FINANCE FROM 7.9%<\/strong> \u201cFor our CVO and Trike Customers HDFS is pleased to announce a rate of 7.9% for 2026, regardless of term of agreement, while the new standard finance rate is reducing in the UK from 9.8% to 8.8%, so there has never been as good a time to check out the affordability options on a new Harley-Davidson\u00ae<\/sup>. Speak to your dealer now to see what offers exist to complement your purchase.\u201d<\/p>\n\n\n\n H-D APPEARANCE PROTECTION<\/strong> In essence, it\u2019s a ceramic and graphene chemical mix designed to put a hydrophobic coating all around your bike, adding an extra layer of protection. The product has been specifically developed and refined in the UK and is approved by Harley-Davidson Product Development Center in Milwaukee and certified for use on H-D motorcycles and trikes. That\u2019s on all paint, including matt and chrome finishes. Its key property is that it doesn\u2019t erode when exposed to heat, which is what makes it so motorcycle specific.<\/p>\n\n\n\n \u201cA lot of paint protection products are car-specific \u2013 they are developed for the four-wheel market and lose their protective ability if applied to anything other than paintwork,\u201d Peter tells us.<\/p>\n\n\n\n \u201cWe have worked to provide a product that retains its protective qualities when exposed to the heat generated by the engine and exhaust, while most standard products lose their protective element after as little as six weeks, we have tested this under extreme heat conditions. Also, as part of the pack we include non-slip seat protection and visor treatment too. <\/p>\n\n\n\n \u201cEven better news, the genuine H-D product does not require additional treatment top-ups from a specific shampoo. Customers are advised to use PH neutral shampoos and we recommend H-D Quick Wash or H-D Sunwash Concentrate, which both meet the criteria.\u201d<\/p>\n\n\n\n Cost will depend on the bike size and time required to apply the coating, so get in touch with your official Harley-Davidson dealership to find out more. Also we\u2019ve been told that the bike needs to be spotlessly clean \u2013 otherwise a pro wash might be needed at the dealership to prepare it.<\/p>\n\n\n\n Are you ready to ride in 2026? Get in touch with Harley-Davidson Insurance or your local dealership about these offers soon to make it even better.<\/p>\n\n\n\n
But saving money on insurance isn\u2019t the only offer HDFS has available going into the new year. While a special interest rate across 2025 models expires on 31 December 2025, some new rates are being announced. <\/p>\n\n\n\n
Another unique offering that Harley-Davidson has just introduced to the UK & Ireland and is well worth talking to your local H-D\u00ae<\/sup> dealership about is Appearance Protection. It\u2019s a brand-new product that not only protects the main paintwork elements but also your engine and exhaust, and even adds extra protection to other essentials on your Harley.<\/p>\n\n\n\n