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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
Download the full overview

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