Motorcycle Insurance Coverages Automatically Included
The proof is in the protection. We offer a wide range of coverages to give you (and your bike) the protection you need. Many of these coverages are automatically included at no extra cost. Compare motorcycle insurance coverage options below and see for yourself why we’re the #1 motorcycle insurer. Then get a motorcycle insurance quote and customize your coverages.
Coverages that are automatically included
Full replacement cost and no depreciation
We will always return your bike to pre-accident condition or better. So, let’s say that your five-year old front tire with 10,000 miles on it gets damaged in a covered loss. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We’ll give you the full $150 for a brand new one and not the depreciated value. That’s a real $100 difference. This coverage is included if you add comprehensive and collision.
Accessories and custom parts/equipment
You’ll get the exact amount needed to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories, helmets, leathers, and gloves. If that’s not enough, you can purchase up to $30,000 in coverage.
Small accident forgiveness
We won’t raise your rate for your first accident if we pay out less than $500 for the claim.
Large accident forgiveness
Ride accident free with us for four straight years, and we won't raise your rate for your first accident no matter how much your claim costs.**
OEM parts
If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs. Or if you have custom parts, we’ll use custom parts in repairs. Basically, no matter what parts you have, we’ll always replace them with the same or better parts. This coverage is also included if you add comprehensive and collision.
Coverages that are automatically included
Full replacement cost and no depreciation
We will always return your bike to pre-accident condition or better. So, let’s say that your five-year old front tire with 10,000 miles on it gets damaged in a covered loss. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We’ll give you the full $150 for a brand new one and not the depreciated value. That’s a real $100 difference. This coverage is included if you add comprehensive and collision.
Accessories and custom parts/equipment
You’ll get the exact amount needed to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories, helmets, leathers, and gloves. If that’s not enough, you can purchase up to $30,000 in coverage.
Small accident forgiveness
We won’t raise your rate for your first accident if we pay out less than $500 for the claim.
Large accident forgiveness
Ride accident free with us for four straight years, and we won't raise your rate for your first accident no matter how much your claim costs.**
OEM parts
If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs. Or if you have custom parts, we’ll use custom parts in repairs. Basically, no matter what parts you have, we’ll always replace them with the same or better parts. This coverage is also included if you add comprehensive and collision.
