Some of our coverages
Full replacement cost and no depreciation for parts
If you’re in a covered accident, we'll always return your bike to pre-accident condition or better.
Example: 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 $250. We pay the full $250 and not the depreciated value.
Total loss coverage for a brand new bike
This optional coverage is 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 new motorcycle, minus your deductible.
Example: You buy a motorcycle for $15,000, but it gets totaled when it’s worth only $10,000. We pay to replace it with the latest model—even if it costs more than $15,000. If your bike is no longer eligible for total loss coverage at renewal, we’ll still cover the cash value of your bike.
Gear and personal belongings
You can add coverage for just about all personal property you carry on your motorcycle if it's damaged or stolen. This includes camping gear, safety gear, and even your phones.
Example: Your smartphone, carried in your saddlebag while riding, is damaged in a covered accident. We pay to replace it, minus your deductible.