Motorsports
Be a market leader by offering robust coverage at a fair price for more than just street bikes.
American Modern’s motorsports program gives you the flexibility to cover just about any bike style, including ATVs, UTVs and golf carts. And, our optional coverages and discounts allow you to create a customized program that meets all their needs.
Classes accepted
- Golf cart
- Standard motorcycle
- Dual purpose
- SuperSport
- ATV (4-wheel)
- Cruiser
- Moped
- Touring
- UTV (4-, 6- or 8-wheel)
- Dirt bike
- Scooter
- Trike conversion
Replacement cost coverage does not expire
Add replacement cost coverage to a new policy when the bike is up to two model years old and you can keep that level of protection for as long as you own the bike. With other carriers, often replacement cost is cancelled after the second year.
Program highlights
- Replacement cost coverage for bikes two model years and newer does not expire.
- Street-driven units include $3,000 in accessory coverage. Off-road units include $1,000.
- Options include travel loss reimbursement, rental reimbursement, and transport trailer coverage.
Discounts
- Home ownership – Up to 20% for home ownership
- Claim-free renewal – 3% on first renewal and 5% each successive year
- Transferring your policy to us – 10% if no lapse in coverage or 1% if less than a 30 day lapse.
- Insuring multiple units – 10% for insuring two bikes or 15% for three or more.
The discounts offered in California vary.
| Ownership and drivers | • Title may be held by an individual, trust, or LLC • 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. • A motorcycle license is not required for insurance unless required by a state. |
| Classes accepted | • Golf cart • Standard motorcycle • Dual purpose • SuperSport • ATV (4-wheel) • Cruiser • Moped • Touring • UTV (4-, 6- or 8-wheel) • Dirt bike • Scooter • Trike conversion 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 • Replacement cost for bikes new to up to 2 model years of age |
| Included coverage | • Accessories – $3,000 ($1,000 for off-road units) up to $15,000 • Safety apparel – $1,000 • Medical payments – $1,000 to $10,000 |
| Optional coverage | • Rental reimbursement • Trip loss reimbursement • Transport trailer |
| Discounts | • Home ownership • Claim-free renewal • Transferring your policy to us • Insuring multiple units |
| Payment options | • Full pay • Monthly, EFT only • 2-Pay, billed • 4-Pay, billed |
The coverage, discounts and payment options available in California and other states may vary