General Acceptability

Cruisers, touring bikes, limited production cruisers, dirt bikes, sport bikes, ATVs, mopeds, scooters, golf carts, snowmobiles, Segway’s.


Specialty Coverage

  • Accessory Coverage provides $3,000 coverage for no extra premium. Additional coverage may be purchased providing coverage up to $30,000. Includes helmet and safety riding apparel for collision only (theft is not covered). Please be sure to get an itemized list of accessories and prices.
  • Disappearing Deductibles- Deductible reduced by 25% following
    each claim- free policy period. Included with TLC and now
    available to purchase with AV and ACV coverage.
  • Transport Trailer Coverage available up to $10,000.
  • Medical Payments available up to $25,000.
  • Roadside Assistance- 24 hours a day, 7 days a week; now available for Liability Only policies. Includes Tow Vehicle.
  • Trip Interruption- Pays up to $500 for lodging, alternative transportation and food while motorcycle is being repaired in the event of a mechanical breakdown or covered loss more than 100 miles from home.
  • Motorcycle Rental Coverage- Coverage’s transfer to a rental or loaner motorcycle.


Special Review Risks

  • Limited production motorcycles up to $50,000.
  • Motorcycles 25 years and older up to $50,000.


Loss Settlement

  • Total Loss Coverage (TLC)- Pays the MSRP of a current model year motorcycle of the same make/model for a total loss.
  • Actual Cash Value (ACV) – Motorcycles with resale values available in the N.A.D.A. Appraisal Guide or Kelley Blue Book.
  • Agreed Value (AV)- Motorcycles with no resale values available in the N.A.D.A. Appraisal Guide or Kelley Blue Book and motorcycles 25 years and older (maximum insurable value $50,000).


Liability Only

  • State-assigned VIN.
  • Any specially constructed or assembled motorcycle, including but not limited to: non-factory built, built from a kit, or has an after-market frame.
  • Motorcycles, mopeds or scooters not listed in the Kelley Blue book or N.A.D.A. Appraisal guide.