If your Harley-Davidson® motorcycle is stolen and not recovered, chances are you’ll have to pay the “gap” between your insurance company balance and the loan balance. Don’t assume that your primary insurance will cover all losses related to your motorcycle. In many cases, 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!
Harley-Davidson GAP pays the difference between the fair market value of your vehicle and the outstanding balance of your loan on the date of loss up to $35,000*. 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.
Having your motorcycle stolen isn’t just a hassle; it could also involve unexpected out-of-pocket expenses. Harley-Davidson® Theft Protection protects you and your asset by helping law enforcement quickly identify your stolen motorcycle — aiding in recovery and, if necessary, helping you purchase a replacement bike. Our MicroDot identification system (each dot is less than 1 mm across and invisible to the naked eye) utilizes a unique PIN code that fluoresces under UV light and is discreetly placed on parts of the bike. This makes them easier for law enforcement to identify so recovered motorcycles can be returned as quickly as possible.
Should H-D™ Theft Protection not lead to motorcycle recovery, customers can take advantage of the included replacement benefit — up to $5,000 applied toward the purchase of a replacement unit.
If you’re like many riders, your motorcycle’s appearance is as important as its performance. With Harley-Davidson® Appearance Protection you can keep your bike looking as good as the day you rode out of the dealership. Our special Harley-Davidson Protector treatments guard against elements you’ll encounter on the road, safeguarding your motorcycle’s most important paint, chrome, leather and vinyl surfaces.
- Paint and Chrome Protector - guards against cracking/peeling paint, loss of gloss, damage caused by insects, bird droppings, tree sap, sun exposure and more
- Leather and Vinyl Protector - repels stains, defends against weather-induced or ultraviolet-induced weakening of the leather/vinyl that may result in cracking, loose stitching, rips or tears
If covered damage does occur, affected areas will be repaired and resurfaced, restoring your paint, Chrome, leather and vinyl to its original condition. Whether you’re a road warrior or a casual rider, this protection provides real peace of mind.
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 ensures 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.
*Programs may vary by dealer/lender/state. 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.