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