Bikers looking for a legendary bike, which is known the world over for exclusive and distinctive design combined with its high performance cruisers will undoubtedly be looking at a Harley Davidson.

These iconic American bikes, more commonly referred to as hogs due to the distinctive noises from the exhaust, are ideal for motorbike enthusiasts who cannot resist the temptation to customise and modify their bikes to make them very exclusive and unique.

The heady days of the mods and rockers may be over and the legendary 'fights' which occurred frequently at specific seaside resorts may no longer happen, however Harley enthusiasts gather frequently at different venues around the world to meet and show off their latest modification and customised body work.

The number of Harley enthusiasts is such that many insurance companies will offer discount for those who are members of official Harley Davidson clubs. The insurance companies also know that Harley riders may be hard and mean on the outside and yet when it comes to protecting their precious machines they will do everything possible to prevent them from being damaged in an accident or being stolen. As such, Harley riders are considered to be less of a risk to the insurers and are therefore offered some very competitive insurance deals.

As with any type of insurance the age and driving history of the rider will be taken into consideration when calculating the premium costs. As Harleys are typically ridden by men and women who are experienced riders they are less likely to have any driving convictions or driving bans, as these bikers what to remain on the road for as many years as they can. Of course if they do get caught for speeding or drink driving, they face the same penalties as any other motorist, including having to pay more for their insurance once the driving ban has been 'lifted'.

The main consideration is to have insurance which provides cover for the modifications and customisations which have been carried out. Personalised insurance from insurers who specialise in Harley Davidson insurance is probably the best route to follow as they will be able to offer agreed value insurance policies which are tailor made to meet the rider's needs and suit their budget.

This type of insurance is not usually available online, although the insurance companies' websites will provide you with phone numbers to enable you to speak to teams of consultants who will be able to provide advice and guidance as to the best cover for your unique bike. Having a bespoke policy may not be as expensive as it sounds as insurers will offer no claims discounts, further discounts for added security measures along with discounts for being a Harley club member.

However, at the end of the day those who want to protect their beloved 'hog' will no doubt opt for companies which offer Harley Davidson motorcycle insurance which is as customised and modified as their iconic bikes!