Motorsports

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)

Motorcycle

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

Included coverage

Accessories – With full coverage, equipment added to the bike that did not come from the manufacturer (as identified by the VIN) is covered separately up to $3,000. Up to $15,000 in coverage can be added.

Safety apparel – Our full coverage policies provide $1,000 coverage on approved clothing and helmets if damaged in an accident ($400 limit per helmet). There is no deductible for the helmet.

Optional coverage

Rental reimbursement – Add coverage for expenses to rent a replacement motorcycle after a physical damage loss. Comprehensive coverage is required.

Travel loss reimbursement – We’ll reimburse up to $300 for transportation, lodging and expenses if the bike becomes disabled more than 100 miles from home. We also include up to $300 for towing costs, regardless of distance from home.

Transport trailer – Add physical damage coverage for a trailer designed to transport the insured cycle. A $250 deductible applies.

Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.

Program details vary by state. For specifics, please log in to modernLINK and consult the program manual for specifics located under the eForms tab.

Snowmobile

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

Optional coverage

Transport trailer – Add physical damage coverage for a trailer designed to transport the insured snowmobile. A $250 deductible begins or on renewal.

Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.

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.

ATV

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

Included coverage

Accessories – When a customer purchases full coverage, equipment they add to the ATV that did not come from the manufacturer (as identified by the VIN) is covered separately up to $1,000. Customers can buy up to $15,000 in coverage.

Optional coverage

Transport trailer – Add physical damage coverage for a trailer designed to transport the insured ATV. A $250 deductible begins or on renewal.

Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.

Program details vary by state. For specifics, please log in to modernLINK and consult the program manual for specifics located under the eForms tab