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.


  • Cruiser
  • Dirt bike
  • Standard motorcycle
  • Touring
  • Dual purpose
  • SuperSport
  • Trike conversion
  • Scooter or moped
  • All-terrain vehicle (ATV)
  • Snowmobile
  • Utility task vehicle (UTV)





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