Whatever you ride, we can insure it

• Cruiser
• Dirt bike
• Standard motorcycle
• Touring motorcycle

• Dual purpose
• SuperSport motorcycle
• Trike conversion
• Scooter or moped

We also insure golf carts, all-terrain vehicles and 4, 6 or 8-wheeled utility vehicles.

Choose from three coverage levels

Full coverage

You and your cycle are covered for liability, collision, and comprehensive losses. With full coverage you can add options to your policy.

Liability plus comprehensive

Comprehensive coverage adds protection for theft or damage to your bike resulting from causes such as a fire or weather, but not collision.

Liability only

Your bike is insured just for liability requirements of your state. Physical damage coverage is not part of your policy.

Choose from two loss settlement options

Replacement cost

This is an option for a street driven unit that is two model years or newer. Both comprehensive and collision coverage must be purchased. A moped, scooter or ATV is not eligible.

Actual cash value

In the event of a total loss [?]
Loss
When the damage to a vehicle or property is at a level where
the cost of repairs exceeds its value, the insurance company will define it as a total loss. , we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss, we pay the cost to repair, minus depreciation for damaged parts and the deductible.

Expand your coverage

Our motorcycle options [?]
Endorsement or options
An endorsement is any modification to the standard policy language or coverage. For example, the breakdown endorsement in our manufactured home program provides expanded coverage to include the mechanical or electrical failure of items such as appliances or the furnace. are particularly valuable if you travel for pleasure. We offer several options to expand your coverage. Your agent will explain all of your options.

Rental reimbursement

Add coverage for expenses to rent a replacement motorcycle after a physical damage loss. Comprehensive coverage is required.

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.

Transport trailer

Add physical damage coverage for a trailer designed for the transport of your insured unit. A $250 deductible applies.

Medical payments

Add $1,000 in medical payments [?]
Medical Payments
Included in casualty policies is coverage for medical expenses caused by an accident-related injury. It is intended to cover basic medical costs without the need to assign responsibility for the accident. The coverage amount is generally a few
thousand dollars,and is separate from liability coverage. coverage. You can increase this up to $10,000.

We offer you five savings opportunities

Home ownership

Save up to 20%.

Safety course completion

Save 10% for completing an approved safety course.

Claim free renewal

Save 3% on first renewal and 10% each successive year.

Transferring your policy to us

If you move your policy to American Modern we give you a 10% discount for no lapse in coverage, or 5% if you have less than a 30 day lapse.

Insuring multiple units

Insure two bikes and save 10%. Save 15% for three or more units.

The discounts available in California or your state may be different.

Flexible payment options

Option 1 -- start EZPay to automate your payments

Many customers want the convenience of monthly or quarterly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.

Option 2 -- pay after we send you a bill

You either can pay in full at the time you start or renew the policy, or in many states we offer installments on a 2-Pay schedule – half up-front and the balance due in 60 days – or on a 4-Pay schedule – a quarter up-front with an installment due every 60 days. A service fee applies to each installment. Pay by personal check, credit card, or bank account transfer.

Some states place limits on the payment plan schedules we can offer or the service fee. To confirm, check with your agent or call Customer Care at 800-543-2644.