The Motorcycle insurance policy is developed to meet the special needs of bike owners.

Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, and high-performance bikes.

Accessories Coverage

With Motorcycle insurance, if you carry comprehensive or collision coverage, you are eligible for $500 coverage for optional accessories — this may include saddlebags, trunks and backrests. If needed, additional coverage can be purchased. Your Motorcycle collision coverage already provides protection for your helmet.

Bodily Injury and Property Damage Liability covers your legal liability for an accident where there is injury to another party or damage to someone's property, up to the limit of liability you select.

Explanation of limits of coverage – For example, 15/30/10 means:

• no more than $15,000 would be paid per person for Bodily Injury
• no more than $30,000 would be paid per accident for Bodily Injury
• no more than $10,000 would be paid per accident for Property Damage

Comprehensive and Collision Coverage covers the cost to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. You select a deductible for each coverage, and once the deductible is met, the insurance company pays for the remaining damage.

Under Collision Coverage, your insurance company pays for damage to your vehicle when you collide with another vehicle or object.

Under Comprehensive Coverage, your insurance company pays for damage to your vehicle caused by an event other than a collision, such as fire, theft or vandalism.

CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of the motorcycle or off-road vehicle. This includes, but is not limited to: