Motorcycle Insurance

Choose the motorcycle insurance coverages that fit your needs - options include Liability, Medical Payments, Roadside Assistance and more.

Options

Bodily Injury & Property Damage Liability

Bodily Injury and Property Damage Liability covers your legal liability for an accident where there is injury to another party or damage to someone's property, up to the limit of liability you select.

Explanation of limits of coverage - For example, 15/30/10 means:

• no more than $15,000 would be paid per person for Bodily Injury
• no more than $30,000 would be paid per accident for Bodily Injury
• no more than $10,000 would be paid per accident for Property Damage

Comprehensive and Collision

Comprehensive and Collision coverage covers the cost to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. You select a deductible for each coverage, and once the deductible is met, the insurance company pays for the remaining damage.

Under Collision Coverage, your insurance company pays for damage to your vehicle when you collide with another vehicle or object.

Under Comprehensive Coverage, your insurance company pays for damage to your vehicle caused by an event other than a collision, such as fire, theft or vandalism.

Uninsured /Underinsured Motorist

When the at-fault party does not have insurance, Uninsured Motorists Bodily Injury will cover damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages.

If your injury expenses exceed the at-fault party's liability limits, you can use Underinsured Motorists Bodily Injury Coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorists coverage, Underinsured Motorists coverage is designed to cover the gap between the other person's liability limits and the amount of your injury expenses, up to the Underinsured Motorists limits you select.

Uninsured Motorists Property Damage covers damage to your vehicle caused by someone who does not have insurance.

Medical Payments

Medical Payments coverage pays the cost of necessary medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault. The coverage often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, Medical Payments only applies after other medical insurance is exhausted. Custom Parts and Equipment (CPE)

When Physical Damage Liability coverage (Comprehensive or Collision coverage) is purchased, at least $1,000 of Custom Parts and Equipment (CPE) coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value.

CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of the motorcycle or off-road vehicle. This includes, but is not limited to:

Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets

      

Sidecars

    Trailers designed to be pulled behind a motorcycle or off-road vehicle

Trike conversion kits

  Custom paint, custom plating or custom exhaust

  Mower blades, plow blades or winches

 Safety riding apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)

Please note: We recommended you retain photos of the motorcycle and all receipts for custom parts and equipment.

Roadside Assistance Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the place of disablement when your motorcycle or off-road vehicle is disabled due to any of the following:

•     Mechanical or electrical breakdown
•     Dead battery
•     Flat tire
•     Lockout
•     Insufficient supply of fuel, oil, water or other fluids
•     Entrapment in snow, mud, water or sand within 100 feet of the roadway

This coverage extends to trailers being towed by a motorcycle. Immediate sign and drive assistance means you have no out-of-pocket expenses - just sign the receipt and you're back on your way. Roadside Assistance is available 24/7.

Roadside Assistance is included with Comprehensive coverage for most Harley-Davidson and touring motorcycles at no charge, and can be purchased at a nominal fee for all other bikes.

Customized Motorcycles

You can insure a variety of bikes, including customized motorcycles and motorcycles 25 years old and older.

Cruiser

Usually includes a V-twin, full view engine, swept-back and/or high handlebars with forward-set foot pegs and a stepped seat for two (e.g., Harley-Davidson FX models, Honda Shadow and Yamaha V-Star).

 Limited Production Cruiser

Incorporates characteristics similar to those in the Cruiser category, but is designed and built by small manufacturers on a limited basis. Many are hand-built, built to order and/or highly customized (e.g., Titan Gecko, American Ironhorse Bandit). Physical damage coverage is available on most Limited Production Cruisers.

Street Sport

Sporty but less aerodynamic than High Performance (e.g., Buell Lightning, Honda VFR Interceptor, Kawasaki KZ1000, Suzuki Bandit).

High Performance

A motorcycle that incorporates racing technology with aerodynamic styling (e.g., Suzuki Hayabusa, Suzuki GSX-R, Honda CBR, Ducati 996 Supersport).

Touring

Uses large fairings, luggage compartments, radio systems, etc., to increase rider comfort and load capacity (e.g., Honda Goldwing, Yamaha Royal Star, Kawasaki Voyager).

Sport Touring

Combines sporty/aerodynamic styling with long distance touring features (e.g., BMW R1100RT, Moto Guzzi 1000s, Triumph Trophy).

Regular

A basic motorcycle that usually features upright seating for one or two passengers (e.g., Norton Roadster, Honda CB550, BMW K100). This is a catchall category for all motorcycles that do not fall into the other classes.

Dual Purpose/Enduro

An off-road type motorcycle, equipped with lights and mirrors, that is designed to be ridden on unpaved surfaces but is approved for highway use (e.g., Honda XR Series, Kawasaki KLX Series, Yamaha WR Series).

Motocross/Dirt Bike

A lightweight, off-road motorcycle equipped with rugged tires, high ground clearance and enhanced suspension that is designed for riding on unpaved ground or rough terrain and is not street legal (e.g., Honda CR and CRF Series, Suzuki RM Series, KTM SX and M/XC Series).

Moped

 A lightweight motorized bike that can be pedaled as well as driven by a low-powered gasoline engine.

Scooter

A two-wheeled vehicle with small wheels and a low-powered gasoline (or electric) engine geared to the rear wheel (e.g., Honda Reflex, Yamaha Razz, all Vespas).

Trike

Any motorcycle that has had the rear tire and storage areas replaced by a manufactured assembly or "conversion kit."

Physical damage coverage is available on most trikes.

All Terrain Vehicle (ATV)

Three, four- or six-wheeled vehicles equipped with an engine and with completely open air seating, a handlebar-type steering device, and designed for off-road use (e.g., Honda Rancher, Suzuki Vinson 500, Polaris Sportsman).