Create a custom, comprehensive program for whatever your customer rides.
If roaring down an open road or dirt trail on two wheels is a favorite hobby of your customers, make sure they are well protected. We can help guide you to the right policy for motorcycles, ATVs, scooters and more. Our policies offer optional replacement coverage that doesn’t expire, and even covers higher value accessories. Your customers can be eligible for multiple discounts on home ownership, transferring a policy or multiple bikes.
Coverage options
- Full coverage: Liability plus collision and comprehensive losses to a cycle.
- Liability plus comprehensive: Comprehensive coverage includes protection for theft or damage to the bike resulting from causes such as fire or weather, but not collision.
- Liability only: Insured for the liability requirements of the customer’s state.
Loss Settlement
- Replacement cost: Street-driven vehicles 2-years or newer (except mopeds and scooters).
- Actual cast value: In the event of a total loss of theft, we pay the actual cash value, which includes a deductible for depreciation. The policy deductible applies.
Eligibility
- Cruiser
- Dirt bike
- Standard motorcycle
- Touring
- Dual purpose
- SuperSport
- Trike conversion
- Scooter or moped
- All-terrain vehicle (ATV)
- Snowmobile
- Utility task vehicle (UTV)
Key coverages
Full coverage | Liability, plus collision damage and comprehensive losses to a cycle. With full coverage you can add options to the policy. |
Liability plus comprehensive | Comprehensive coverage includes protection for theft or damage to the bike resulting from causes such as fire or weather, but not collision. |
Liability only | The policyholder is insured for just the liability requirements of your state. Physical damage coverage to the motorcycle is not part of the policy. |
Motorcycle coverage highlights
For motorcycle owners, there’s nothing like the open road. Our policies cover just about every bike style, with optional coverages and discounts to customize each program to your customers’ needs, from options for travel loss reimbursement, rental reimbursement and transport trailers, to accessory coverages for street and off-road units. Our program is particularly attractive for Harley-Davidson, Yamaha or Honda owners, and, in addition to bikes, we can also accept golf carts, all-terrain vehicles and 4-, 6- or 8-wheeled utility vehicles. So however they like to ride, your customers can be assured that they’re covered by a flexible policy that’s just right for them.
Replacement cost coverage never expires
If the bike is up to 2 years old, you can add replacement cost coverage that your customers can keep for as long as they own the bike. With other carriers, replacement cost is often cancelled after the second year.
Discounts
Home ownership – 20%
Claim-free renewal – 3% on first renewal and 5% each successive year
Transferring a 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
Note: The discounts offered in California vary. Discounts and discount amounts vary by state.
Eligible vehicles
- Cruiser
- Dirt bike
- Standard motorcycle
- Touring
- Dual purpose
- SuperSport
- Trike conversion
- Scooter or moped
Coverage details
Program details vary by state. For specifics, please log in to modernLINK and consult the program manual for specifics located under the eForms tab.
Key coverages
Full coverage | Liability, plus collision damage and comprehensive losses to the snowmobile. With full coverage you can add options to the policy. |
Liability plus comprehensive | Comprehensive coverage includes protection for theft or damage to the snowmobile resulting from causes such as fire or weather, but not collision. |
Liability only | Your policy holder is insured for just the liability requirements of their state. Physical damage coverage to the snowmobile is not part of the policy. |
Actual cash value | In the event of a total loss or theft, we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies. |
Snowmobile coverage highlights
This policy automatically meets a state’s minimum coverage requirements and can be tailored with optional coverages and discounts. (Program is available in Connecticut, Illinois, Maine, Michigan, Minnesota, New Hampshire, New York, Pennsylvania, Vermont and Wisconsin.)
Out-of-state and Canadian coverage
You can automatically adjust our snowmobile policy to meet a state’s minimum requirements even if your policy limits are normally lower. For snowmobilers who cross into Canada, their coverage extends there, too.
Discounts
Safety course – 10% for course completion
Renewal – 10% each successive year
Association membership – 5% for belonging to an approved snowmobile association
Insuring multiple units – 15% if insuring two or more
Note: Discounts and discount amounts vary by state.
Coverage details
Snowmobile program not available in Illinois.
Program details vary by state. For specifics, please log in to modernLINK and consult the program manual for specifics located under the eForms tab.
Key coverages
Full coverage | Customers are covered for your liability, plus collision damage and comprehensive losses to your ATV. With full coverage you can add options to your policy. |
Liability plus comprehensive | Comprehensive coverage includes protection for theft or damage to the ATV resulting from causes such as a fire or weather, but not collision. |
Liability only | Your policy holder is insured just for the liability requirements of their state. Physical damage coverage to the ATV is not part of the policy. |
Actual cash value | In the event of a total loss or theft, we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies. |
ATV coverage highlights
No matter what your customers drive off road, you can find coverage for almost all types of ATVs and UTVs: 4-, 6- and 8-wheelers, sport utility, and even multi-passenger vehicle out there. And because endorsements to homeowners’ policies only cover customers when they are riding on their own property, it’s wise to cover the full off-road experience with a genuine ATV/UTV policy.
Eligible vehicles
- Sport
- Utility task vehicle (UTV)
- Multi-passenger
- 4-wheel
- 6-wheel
- 8-wheel
*we do not accept 3-wheeled units.
Discounts
Home ownership – 20%
Claim-free renewal – 3% on first renewal and 5% each successive year
Transferring a 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
Note: The discounts offered in California vary. Discounts and discount amounts vary by state.
Coverage details
Program details vary by state. For specifics, please log in to modernLINK and consult the program manual for specifics located under the eForms tab