Be a market leader by offering robust coverage at a fair price for more than just street bikes.

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.

Discounts help customers save

There is no limit on the number of discounts you can apply, and no cap on the total discount value:

  • Advance quote
  • Anti-theft device installation
  • Association membership
  • Customer loyalty
  • Home ownership (any carrier)
  • Motorcycle license
  • Multiple policies with American Modern
  • Multiple motorsport vehicles
  • No driving violations
  • Paying in full
  • Paperless policy
  • Preferred customer
  • Prior insurance
  • Safety course completion

The discount amount will vary based on the kind of coverage selected, but for a good risk, it should be easy to save 20 percent or more.

Upgrade the protection with these options

  • Upgrade motorcycle accessories coverage from $3,000 up to $30,000
  • Upgrade any claim repairs to guarantee use of manufacturer parts
  • Upgrade personal effects/safety apparel coverage from $1,000 to $2,500
  • Upgrade towing and emergency expense coverage from $75 to $200

Special protection covers classic or new cycles

  • Classic bikes are protected with an agreed value settlement.
  • 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.
 Ownership and drivers • Title may be held by an individual, trust, LLC or corporation
• Drivers of street vehicles must be at least 16 years of age and hold a valid license
• Off-road vehicles 250cc or less – driver must be at least 11 years of age; 251cc and greater – driver must be at least 16 years of age.
 Bike types accepted • Standard motorcycle
• Cruiser
• Touring
• Supersport
• Dual purpose
• Dirt bike
• Custom*
• Trike conversion
• Classic/vintage*
• Electric cycle*
• Scooter/moped
• Segway*
• ATV and UTV
• GEM*
• Golf cart*
• Low speed vehicle*
• Neighborhood electric vehicle*
• Snowmobile** Coverage for these types is hard to secure from other carriers.
 Coverage levels • Full coverage
• Liability plus comprehensive
• Liability only
 Loss settlement • Actual cash value
• Agreed value for a classic bike
• Replacement cost for bikes new to up to 2 model years of age
 Included coverage • Accessories – $1,000 to $3,000
• Personal effects/safety apparel – $1,000
• Pet protection – $750
• Towing and emergency expense – $75
 Optional coverage • 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
 Discounts • Advance quote
• Anti-theft devices
• Association membership
• Home ownership
• Loyalty
• Multiple policies
• Multiple vehicles
• No violations
• Paying in full
• Paperless policy
• Preferred customer
• Prior insurance
• Safety course completion
 Payment options • Full pay
• Monthly, EFT only
• 2-Pay, billed or EFT
• 4-Pay, billed or EFT
• 6-Pay, billed or EFT