Motorcycle Insurance

Do you need motorcycle insurance or insurance for your ATV? Here is some info on coverages.

Motorcycle insurance has the same basic coverages as car insurance. It also can include two unique types of coverage. They are :

Custom Parts and Equipment (CPE) At some companies : when Physical Damage Liability coverage is purchased, $1,000 of Custom Parts and Equipment (CPE) coverage is included. Additional CPE coverage can be purchased to cover equipment, up to $30,000 at some companies.

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 ATV. This typically includes:

Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle using bolts or brackets, including slide-out brackets
Sidecars
Trailers designed to be pulled behind a motorcycle or ATV
Trike conversion kits
Custom paint, custom plating or custom exhaust
Mower blades, plow blades or winches
Safety riding apparel, including helmets.
(Coverage is provided in the event of a Collision loss. Theft is not covered.)

Please note: We recommended you retain photos of the motorcycle and all receipts for custom parts for your insurance company in case of accident.

Roadside Assistance

Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the place of disablement when your motorcycle is disabled.