Motorcycle/ATV

Policy feature

What it means

Coverage levels

Liability only

Your cycle is insured just for liability requirements of your state.  Physical damage coverage is not part of your policy, and the other coverages and options presented in this table are not included.

Full coverage

Adds comprehensive and collision coverage to your liability protection.  With full coverage you have additional benefits and can add options to your policy.

Loss settlement

Actual cash value

In the event of a total loss or theft, we will pay the actual cash value of your bike, which includes a deduction for depreciation.  For a partial loss, we pay the cost to repair, minus depreciation for damaged parts and the deductible.  Bikes up to two years old can be upgraded to replacement cost.

Included coverage

Safety apparel

Our full coverage policies provide $1,000 coverage on approved clothing and helmets if damaged in an accident ($400 limit per helmet).  There is no deductible for the helmet.

Accessories

With full coverage, we automatically cover permanently attached accessories, both manufacturer and non-manufacturer, up to $3,000 ($1,000 for off-road).  You can buy additional coverage up to $15,000.

Optional coverage

Replacement cost loss settlement

This option replaces bikes up to two years old in the event of a total loss or theft, without depreciation. If your bike is stolen or damaged beyond repair, we will pay up to policy limits to replace it with a new unit of like kind and quality.

Trip interruption coverage

We’ll pay up to $300 for transportation, lodging and expenses if your vehicle becomes disabled more than 100 miles from home.  We also include up to $300 for towing costs, regardless of how far you are from home. 

Trike conversion

This option is designed specifically for cycles that have been converted to a trike.