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Freedom from worry

Protection Plans

Our protection plans cover more so you can worry less and concentrate on planning your next trip.

Couple riding Touring bike down the road
H-D® Protection Plans

You can't predict the future, but with Harley-Davidson® Protection Plans you can be prepared and protect your investment.


In the unfortunate event you Harley-Davidson® motorcycle is stolen, damaged or otherwise declared a total loss, chances are you’ll have a “gap” between your insurance company balance and your open loan balance. Don’t assume that your primary insurance will cover any loss related to your motorcycle. In reality, the actual cash value that an insurance company places on your bike may be substantially less than the outstanding balance on your loan. Who pays the difference or the “gap” between your insurance company and your loan payoff? You do!


The H-D™ 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.* 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.


GAP Example



Loan contract payoff:


Insurance settlement amount:


Your motorcycle insurance deductible:


Your total out-of-pocket expense:


Our Guaranteed Asset Protection (GAP) Plan covers:


Total you now owe to fully pay off your loan:


Motorcycle theft is an unfortunate but real crime. Harley-Davidson® Theft Protection protects you and your assets by helping law enforcement quickly identify your bike - aiding in recovery and, if necessary, helping you purchase a replacement motorcycle. Available on new or used H-D® motorcycles and fully transferrable if you sell your bike to a private party. The invisible DataDot theft recovery systems placed on parts of your motorcycle are registered in a secure database accessible to law enforcement agencies throughout the U.S., Canada and Puerto Rico. The database cross references the VIN and DataDots so that a recovered motorcycle will be returned as quickly as possible. If H-D Theft Protection fails to result in recovery your stolen motorcycle; you’ll receive up to $5,000 toward the purchase of a replacement motorcycle.
Keeping up with regular maintenance is important no matter how many miles you ride. Maintenance scheduled in accordance with H-D® factory recommended services is intended to keep your bike from experiencing any unexpected breakdowns. Harley-Davidson® Planned Maintenance helps support your factory warranty and ensure your bike stays in road-ready shape. Maintenance is performed by trained H-D® dealership technicians using only genuine H-D® motor parts & accessories. Choose from four different service plan options to meet all your H-D® motorcycle maintenance needs and never miss another scheduled service visit.
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*Programs may vary by dealer/lender/province. Please refer to your GAP Addendum for details of the terms and conditions of this coverage.

**Restrictions apply: See actual contract for specific coverage, exclusions and restrictions.