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Text: "motorsports" over image of motorcycle

Stand out from the agent down the street by offering up to 14 discounts and expanded coverage options, including a replacement cost settlement that does not expire for a new cycle. You can cover more than just standard motorcycles, too. Expand your market reach by including classic and custom cycles, plus golf carts and other low-speed electric vehicles, ATVs, and snowmobiles.

When to write

American Modern accepts a wide range of motorcycles, plus golf carts, ATVs, and snowmobiles which may be harder-to-place with other carriers.

Bikes 2 model years old and newer are eligible for replacement cost settlement. The increased coverage will not expire so long as the bike owner keeps renewing the policy.

What’s eligible

  • Standard motorcycle
  • Cruiser
  • Touring
  • Supersport
  • Dual purpose
  • Dirt bike
  • Custom
  • Trike conversion

  • Classic/vintage
  • Electric cycle/scooter/moped
  • ATV and UTV
  • GEM
  • Golf cart
  • Low speed vehicle
  • Neighborhood electric vehicle
  • Snowmobile

Important options

  • Accessories up to $30,000
  • Diminishing deductible
  • Medical payments
  • Passenger liability
  • Personal effects/safety apparel – $2,500
  • Rental reimbursement
  • Towing and emergency expense – $200
  • Trailer physical damage
  • Travel loss reimbursement
  • Uninsured motorist

Included coverage

Insure for either full coverage, comp/liability, or just liability. Bikes 2 model years old and newer are eligible for replacement cost settlement. Classics are covered for the agreed-upon value.

  • Accessories up to $3,000 ($1,000 for off-road)
  • Personal effects/safety apparel
  • Pet protection
  • Towing and emergency expense

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.