Specialized coverages we offer
Full replacement cost and no depreciation for parts
We’ll always return your motorcycle to pre-accident condition or better. Let’s say that your five-year-old front tire with 10,000 miles on it gets damaged. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We pay the full $150 and not the depreciated value. That’s a real $100 difference.
Total loss coverage for a brand new bike
Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If it’s totaled, we’ll give you the full MSRP for a brand new motorcycle, minus your deductible.
Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs $15,000+, we’ll give you $15,000+. That’s a $5,000 difference. If your bike is no longer eligible for total loss coverage at renewal, your policy still covers the actual cash value for what it’s currently worth.
Coverage for gear and personal belongings
You can add coverage for just about all of the personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear, and even your phones.
If your motorcycle is legal, we’ll likely insure it
If it’s cool enough for you to ride, it’s cool enough for us to insure. Here are some of the common vehicles we insure:
Vintage and antique motorcycles
Sport and high performance motorcycles