General Acceptability
Cruisers, touring bikes, limited production cruisers, dirt bikes, sport bikes, ATVs, mopeds, scooters, golf carts, snowmobiles, Segway’s.
1.
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.
2.
Special Review Risks
- Limited production motorcycles up to $50,000.
- Motorcycles 25 years and older up to $50,000.
3.
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).
4.
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.
