Motorsports
Be a market leader by offering robust coverage at a fair price for more than just street bikes.
Expand your market reach by offering good coverage for golf carts, ATVs and UTVs, and other low-speed electric vehicles, plus classic and custom cycles. Up to 14 discounts and expanded coverage options, including a replacement cost settlement that does not expire, will help you stand out from the agent down the street.
Classes accepted
- Golf cart
- GEM
- Neighborhood electric vehicle
- Standard motorcycle
- Cruiser
- Electric cycle
- Segway
- Trike conversion
- ATV (4-wheel)
- Low speed vehicle
- Classic/vintage
- Dirt bike
- Moped
- SuperSport
- UTV (4-, 6- or 8-wheel)
- Snowmobile
- Custom
- Dual purpose
- Scooter
- Touring
Upgrade the protection with these options
- Upgrade motorcycle accessories coverage from $3,000 up to $30,000
- 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. |
| Classes accepted | • Golf cart • GEM • Neighborhood electric vehicle • ATV (4-wheel) • Low speed vehicle • UTV (4-, 6- or 8-wheel) • Snowmobile • Standard motorcycle • Cruiser • Electric cycle • Segway • Trike conversion • Classic/vintage • Dirt bike • Moped • SuperSport • Custom • Dual purpose • Scooter • Touring The Street Use surcharge applies to any multiple passenger off road vehicle that is registered for, licensed for, or used on public streets. |
| 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 |