Motorcycle insurance normally does not cover:
Any consequential losses, loss of use and depreciation
Any loss or damage to your motorcycle accessories
Any mechanical, electrical or electronic breakdown, or any other failure or breakdown to your motorcycle
Any loss or damage to your motorcycle caused by natural disasters
Any loss or damage, including theft, caused by or attributed to the act of cheating or criminal breach of trust by any person
Any bodily injury or death caused to you in the event of a motorcycle accident
Any liability claim from your pillion passenger in the event of a motorcycle accident
However, some insurance policies provides these coverages as an add-on coverage with an additional premium price.