Motorcycle Insurance FAQ

Frequently Asked Questions for Rider Insurance

Our Frequently Asked Questions (FAQ) section is intended to provide general answers to commonly asked questions. The information in our FAQ section is not intended as an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.

If you don't find your answer(s) here, please contact us.

FAQ - Billing & Payments

Do not wait for us to send you a bill when starting a policy. Your payment must be postmarked within five days of the effective date or the policy will not take effect as of that day. If the payment is postmarked after five days, the policy will take effect the day after the postmark.

The premium must be paid in full if it is less than $200.00. If the premium is at least $200.00, you can go on the installment plan.

Currently we do not offer a monthly payment plan, however we do offer the following payment plan options:

4-Pay Installment Plan (4 Payments)

Policy premium must be at least $200 to qualify for this installment plan. A 25% down payment is required. The balance will be billed in 3 equal installments 60, 105, and 150 days from the effective date. There is a service charge included in each installment payment.

6-Pay Installment Plan

Policy premium must be a minimum of $400 to qualify for this installment plan. A 25% down payment is required. The balance will be billed in 5 equal installments 30, 75, 120, 165 and 210 days from the effective date. There is a service charge included in each installment payment.

9-Pay Installment Plan

Policy premium must be a minimum of $400 to qualify for this installment plan. A 25% down payment is required. The balance will be billed in 8 equal installments 30, 60, 90, 120, 150, 180, 210, and 240 days from the effective date. There is a service charge included in each installment payment.

Credit Card (Visa or MasterCard)

By selecting this option you authorize Rider Insurance to charge your Visa or MasterCard in the amount you indicate. Unless policy is paid in full, installment fees apply. A credit card payment is required to initiate a policy online and is the only option for online installment payments at this time. If you are a current policyholder, please click here to register your account.

EFT (Electronic Fund Transfer) Recurring

By selecting this option you authorize Rider Insurance to debit your bank account (checking or savings) for all policy payments, including installments, endorsements, and renewal payments. A reduced installment fee applies in most states.

EFT (Electronic Fund Transfer) One-Time

By selecting this option you authorize Rider Insurance to debit a one-time payment from your bank account (checking or savings).

Personal Check or Money Order

Personal checks can be mailed; however you will be unable to have a policy issued until payment is received. Payments should be mailed to PO Box 3141 Union, NJ 07083.

Cash Payments

Cash payments are accepted in person by visiting our home office at 120 Mountain Avenue, Springfield, NJ 07081. You may also make a cash payment at an authorized agent location.

New Policies

If you choose to apply for coverage online, you are required to pay with a Visa or MasterCard or set up electronic fund transfer at that time. However, if you choose to apply for coverage by phone, you must pay by credit card, set up electronic fund transfer over the phone or send in a check or money order within five days of the effective date.

Installment Payments

In order to make an installment payment online, you must first register and log in to your account. You will not be able to make an online installment payment if your policy is in cancellation for the following reasons: Motor Vehicle Record, Invalid License, Insured’s Request, Re-Write, or Underwriting Reasons.

Renewals

In order to make a renewal payment online, you must first register and log in to your account. You will not be able to make an online renewal payment if your policy is in cancellation for the following reasons: Motor Vehicle Record, Invalid License, Insured’s Request, Re-Write, or Underwriting Reasons.

If your payment is not received by the invoice date, your policy will not be canceled immediately. However, if the payment is not received within 10 days of the due date, you will receive a cancellation notice. See the next question.

If you receive a notice of cancellation, your policy is not canceled immediately. As long as the payment is made by the due date listed on the cancellation notice, the policy will be reinstated with no lapse in coverage.

If the payment is not postmarked by the due date listed on the notice of cancellation, the policy will be canceled as of that date. No exceptions will be made.

No policy will be accepted under the amount of $60.00 even if the premium is listed as less. It is based on our cost of doing business.

If you cancel, you may be entitled to a refund but most of the time the refund will be for a different amount than if it was pro-rated. Pro-rated means that the amount of time the policy was in force is compared to the 12 month term and that proportion is multiplied against the premium. A pro-rated refund will be given under the following circumstances: Rider Insurance policy consolidation, total loss of vehicle due to a claim, military service, death, or if our company cancels the policy. Otherwise, when you cancel, the refund is a percentage of the pro rata amount.

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FAQ - Claims

Failure to report a claim to Rider within 24 hours will not bar you from pursing or receiving payment for the claim; however, any loss should be reported as soon as possible and within a reasonable amount of time. In the event of an accident, all injuries and safety issues should be tended to first.

Whenever possible, all losses should be reported immediately to the police. A police report is mandatory for all theft, attempted theft, and theft with recovery claims. In many states it is also required for all hit and run claims.

A deductible is the amount of a claim that is your responsibility to pay, and applies to "First Party" coverage – amounts paid to you for things like collision, fire, theft, and comprehensive claims. For example, if you have a $500 deductible and the damage to your motorcycle totals $1,000, Rider Insurance will issue you a check for $500, and the balance is your responsibility. A deductible does not apply to "Third Party" liability coverage - claims paid to others for damage caused by you. The standard deductible is $500 for non-sport bikes and $750 for sport bikes. You have the option to increase or decrease your deductible which will impact the physical damage coverage premium. In Delaware you have to choose a deductible not only if you selected physical damage coverage but also for your Personal Injury Protection Coverage. See question #9 in “Coverage” for more information about Personal Injury Protection coverage in Delaware.

You are not required to take your motorcycle to a specific dealer or repair shop; however, the facility must be licensed by the state. If your motorcycle is covered under a factory or extended warranty, please check with your motorcycle dealer for any restrictions or conditions that apply that may void your warranty.

No. As Rider Insurance has paid you to have the parts replaced, you are not entitled to keep the damaged parts. At the discretion of the company, all damaged parts are either picked up by our salvage dealer or disposed of by the repair facility.

Rider Insurance Company has a financial responsibility to your lienholder and, therefore, must add the lienholder as a payee on your claim settlement check. The lienholder must endorse this check before you are able to deposit or cash the check. Please contact your individual lending institution for instructions on obtaining the necessary endorsement.

In the event of a loss, your policy remains in effect until we receive a written and signed request from you to cancel the policy or to delete a motorcycle. If the motorcycle is a total loss, you may request a cancellation or deletion as of the day following the accident or incident. If your motorcycle is stolen, it is suggested you maintain coverage for a minimum of thirty days or until the claim is resolved, at which time you may request a cancellation or deletion as of the day following the theft.

Rider Insurance does not "surcharge" for claims paid, as our premiums are based upon your age, where you reside, and the type (sport bike or non-sport bike) and size (cc's) of the motorcycle you own - not on your individual driving record. However, the claim may affect your eligibility for our preferred operator and sport bike safe driver discount. The only way you can lose your coverage because of the claim is if the accident that created the claim causes your driving record to exceed our underwriting guidelines. If that happens you may not be eligible to renew your coverage when your current policy expires.

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FAQ - Coverage

Basic

The Basic coverage package includes Liability coverage with the limits of your choice without UM/UIM. Not available in all states.

Standard

The Standard coverage package includes Liability coverage with the limit of your choice and UM/UIM.

Standard Plus

The Standard Plus coverage package includes Liability coverage with the limit of your choice, UM/UIM and Comprehensive (including fire and theft) without Collision coverage. Policy limit for Comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for Comprehensive coverage.

Premium

The Premium coverage package includes State Required Liability coverage, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

Premium Plus

The Premium Plus coverage package includes Liability coverage with increased limits of your choice, UM/UIM and Comprehensive (including fire and theft) with Collision coverage. Policy limit for Collision and Comprehensive coverages is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for these coverages.

Rider Insurance will pay replacement cost for certain total loss motorcycles. Motorcycles that are entitled to replacement cost must have been purchased new and within one year of the date of loss. Replacement cost means the cost of purchasing the same motorcycle or the price you paid for it, whichever is less, minus the deductible. It is up to the insured to find a replacement bike. Accessories will be included at replacement cost also, if the insured is eligible for Rider’s accessory package. The maximum Rider will pay will be $45,000, plus accessories, if eligible (up to the accessory limit). Invoices will be required. Replacement cost does not include every dollar spent when the bike was purchased. For example, it will not include payment for extended warranties or other dealer incentives; it will also not guarantee that any loan will be completely paid off, if that loan exceeded the unit cost of the bike.

The Rider Accessory Package applies to all insured motorcycles of 551 CC's and over listed on the declaration sheet of your policy of insurance, for which the Standard Plus or one of the Premium Packages is applied. For no additional premium the Rider Accessory Package includes two separate coverage benefits. First, it supplies coverage for accessories, chromed parts and non-standard equipment and customized paint up to a maximum of $8,000 ($3,000 for paint), subject to the per motorcycle deductible. Second, it supplies coverage for trailers, as excess above any other available coverage. The RIDER ACCESSORY PACKAGE does not apply to any motorcycles listed on our "Sport Bike" application. Please read the Rider Accessory Detail Package Description. In Virginia this accessory coverage applies to all insured motorcycles, due to state law. Please read the Virginia Rider Accessory Detail Package Description.

If you purchased the Premium or Premium Plus Package, you are automatically covered for the following items: damage to DOT approved helmets to a maximum of $500, after applying the collision deductible; safety apparel that was damaged in an accident, to a maximum of $500, separate from the $500 maximum for a helmet. The collision deductible applies. Finally, the package supplies trip interruption coverage for a limited reimbursement for meals and lodging if you get stuck more than 100 miles from your home because of an accident.

If insured under the Premium or Premium Plus Package and the Rider Insurance Company Accessory Package applies, we will pay for damage caused by an insured peril to a trailer that can be towed by a motorcycle regardless of whether it is attached. This coverage only applies as excess above any other available coverage. Please read the Rider Accessory Detail Package Description for further information.

No, at this time the accessory package is not offered for sport bikes, except in Virginia by state law.

This coverage pays others for damage that you cause if you are found to be at fault in an accident. Liability coverage covers both bodily injury damages and property damage. The liability coverage that protects against bodily injuries protects you from claims and lawsuits by people, including your passenger on your motorcycle, who are injured or die as a result of an accident you caused. It compensates others for pain, suffering and other personal hardships and may also pay for some economic damages, such as loss of wages or unreimbursed medical bills. The liability coverage that protects against property damage protects you from claims and lawsuits by people whose property is damaged as a result of an accident you caused.

There is a limit to how much your insurance will protect you. The bodily injury limit is typically given as two amounts: an amount paid per individual and an amount paid for total injuries caused to all people in an accident in which you are at fault. There is only one property damage limit, which is for all property damaged in any one accident.

Except for limited instances in Indiana, all Rider Insurance policies include, at no additional cost, liability insurance that covers you if your passenger is injured. This means that if you are found liable or partially liable for an accident, your passenger may pursue a claim against you and - depending upon the nature of the injuries and the circumstances of the accident - is eligible to receive an award up to your limits of liability coverage. This is not the same as covering all passenger medical bills. Your liability coverage will cover your passenger’s medical bills only if you are at fault and only up to your policy limits. If you are not at fault your passenger will have recourse against the person who is at fault. Your passenger’s health insurance will also likely cover his or her medical bills. Except in Delaware, Michigan, Virginia and in limited instances in Indiana, Rider does not cover medical bills for the motorcycle passenger in the absence of fault by the operator. In Delaware, your passenger is also covered under your Personal Injury Protection Coverage. See question #10 for details. For Indiana, see question #11. For Michigan, see question #13. For Virginia, see question #16.

In Delaware:

All Rider Insurance policies include uninsured and underinsured motorist coverage. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle. Uninsured motorist coverage limits are set at the liability limits you choose for your policy unless you choose a lower limit. However, the property damage limit is always $10,000. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than needed to compensate you fully for your injuries. There is no Underinsured Motorist property damage coverage.

A reduced premium is available to anyone who elects not to include any Uninsured/Underinsured Motorists coverage.

In Indiana:

All Rider Insurance policies include uninsured and underinsured motorist coverage. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle. Uninsured motorist coverage limits are set at the liability limits you choose for your policy, except that the property damage limit is always $10,000. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $25,000 for your injuries, you would be able to recover up to an additional $25,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount. The minimum limits for Underinsured Motorist Coverage bodily injury are $50,000 per person, $50,000 per accident. There is no Underinsured Motorist property damage coverage.

A reduced premium is available to anyone who elects not to include this optional coverage.

In Maryland:

All Rider Insurance policies include uninsured motorist coverage. The limits are set no higher than the liability limits that you choose for your policy, but you can set them lower than your liability limits if you so choose. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $30,000 for your injuries, you would be able to recover up to an additional $20,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects to reduce this coverage.

In Michigan:

All Rider Insurance policies include uninsured and underinsured motorist coverage. The limits are set no higher than the liability limits that you choose for your policy, but you can set them lower than your liability limits if you so choose. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $20,000 for your injuries, you would be able to recover up to an additional $30,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects to reduce or reject this coverage.

In New Jersey:

All Rider Insurance policies, excluding mopeds, include uninsured and underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. It also allows you to obtain payment for damage to your vehicle. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. By statute, a $500 deductible applies to all "Property Damage Uninsured Motorist" claims. Uninsured motorist coverage does not benefit the uninsured driver. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $25,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $15,000 for your injuries, you would be able to recover up to an additional $10,000 (to reach $25,000) from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects to reduce this coverage.

In Ohio:

All Rider Insurance policies, excluding mopeds, include uninsured and underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle, unless you already have collision coverage. Your collision coverage will pay for repair to the bike so there is no need for you to have to pay for separate uninsured property damage coverage. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $25,000 for your injuries, you would be able to recover up to an additional $25,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects not to include this optional coverage.

In Pennsylvania:

All Rider Insurance policies include uninsured and underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than is needed to compensate you for your injuries. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the limits of your underinsured motorist coverage. For example if your policy contained $25,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $15,000 for your injuries, you would be able to recover up to an additional $25,000 from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects not to include this optional coverage.

In Virginia:

All Rider Insurance policies include uninsured motorist coverage. The limits are set no higher than the liability limits that you choose for your policy, but you can set them lower than your liability limits if you so choose. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. It also covers you for damage to your vehicle. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the difference between the limits of your underinsured motorist coverage and the other driver's policy limits. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $25,000 for your injuries, you would be able to recover up to an additional $25,000 (to reach $50,000) from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects to reduce this coverage.

In West Virginia:

All Rider Insurance policies include uninsured and underinsured motorist coverage. This coverage allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault in an accident. It also allows you to obtain payment for damage to your vehicle. Uninsured motorist coverage protects you if you are in an accident caused by someone who does not have the minimum level of insurance required by law, or who caused you bodily injury and whose insurance coverage is not obtainable because the driver fled the scene. Claims that you would have made against the uninsured driver who was at fault are paid by your own policy. Uninsured motorist coverage does not benefit the uninsured driver. Underinsured motorist coverage protects you if you are in an accident caused by a driver who is insured but who has less coverage than your underinsured motorist coverage. Damages greater than the limits of the at-fault driver's policy are covered by your policy up to the limits of your underinsured motorist coverage. For example if your policy contained $50,000 in underinsured benefits and the at-fault driver’s insurance only covered up to $20,000 for your injuries, you would be able to recover up to an additional $50,000 from your policy if you were injured badly enough to be awarded that amount.

A reduced premium is available to anyone who elects not to include underinsured motorist coverage.

Your policy of insurance provides Personal Injury Protection Coverage according to the laws of Delaware. Personal Injury Protection Coverage applies to the motorcycle operator and passenger, and to pedestrians when struck by your motorcycle. Personal Injury Protection Coverage pays the cost of treatment from hospitals, doctors, and other medical providers up to a maximum of $15,000 per person and $30,000 per accident, subject to a deductible if you chose one. For a lower premium you can also choose to restrict your Personal Injury Protection coverage to those accidents that happen on the road and involve contact with another vehicle.

Your insurance policy provides Medical Payment Coverage to pedestrians when struck by your motorcycle and for your spouse when a passenger on your motorcycle when it is operated by you. It pays the cost of hospital, doctor and other medical treatment up to $5,000 for the pedestrian and $2,000 for the spouse. Medical Payment Coverage is not provided for vehicle operator, or any passenger who is not the insured’s spouse.

Your insurance policy provides Medical Payment Coverage only to pedestrians when struck by your motorcycle. It pays the cost of treatment up to $5,000 for the pedestrian from hospital, doctors and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Your policy of insurance provides Medical Expense Coverage according to the laws of Michigan. Medical Expense Coverage applies to the motorcycle operator and passenger. Medical Expense Coverage pays the cost of treatment from hospitals, doctors, and other medical providers up to a maximum of $5,000, $10,000, $15,000 or $20,000 per person for each accident, depending upon the coverage limit you choose.

Your insurance policy provides Personal Injury Protection (PIP) benefits only to pedestrians when struck by your motorcycle. It pays the cost of treatment up to $250,000 for the pedestrian from hospital, doctors and other medical providers. It also covers any medical equipment that may be needed to treat those injuries. PIP coverage pays pedestrian medical expenses no matter who is at fault in the accident. PIP coverage in New Jersey does not apply to the owner of, operator of, or passenger on the motorcycle.

Your insurance policy provides Medical Payment Coverage only to pedestrians when struck by your motorcycle. It pays the cost of treatment up to $5,000 for the pedestrian from hospital, doctors and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Your insurance policy provides Medical Payment Coverage only to pedestrians when struck by your motorcycle. It pays the cost of treatment up to $5,000 for the pedestrian from hospital, doctors, and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Your policy of insurance provides Medical Expense Coverage according to the laws of Virginia. Medical Expense Coverage applies to the motorcycle operator and passenger. Medical Expense Coverage pays the cost of treatment from hospitals, doctors, and other medical providers up to a maximum of $1,000 or $2,000 per person for each accident, depending upon the coverage limit you choose.

Your insurance policy provides Medical Payment Coverage only to pedestrians when struck by your motorcycle. It pays the cost of treatment up to $5,000 for the pedestrian from hospital, doctors and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Except in Delaware, Michigan and Virginia, your policy does not include coverage for the medical bills of the operator. In those instances, if you are injured in an accident, your own health insurance will cover you except in rare instances. If it does not, and you are not at all at fault, the at-fault driver’s policy will cover your medical bills up to its policy limits. If the other driver’s policy limit is exhausted or the person is not insured at all, you may be able to make a claim for your medical expenses against us under your uninsured/underinsured coverage.

A motorcycle not owned by you being used as a substitute due to breakdown, repair servicing, loss or destruction will be covered for liability only up to your policy limits and if your policy includes collision and comprehensive coverage, that coverage is applicable to the temporary motorcycle in these circumstances also. If you are acquiring a rental for another reason, no coverage will be provided and must be purchased when you rent the bike.

Yes, the operator is covered for liability as long as the operator of the motorcycle is properly licensed and has your permission to operate the motorcycle.

No, your motorcycle is not covered outside the United States. The only exception is Canada, and you will have to obtain a Canadian ID card from Rider Insurance as proof of insurance.

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FAQ - Customer Service

As long as the additional operator is in the same age group, there is no additional cost. If the additional operator is in a younger age category, the premium will be based on the youngest operator’s age group. All additional operators must be disclosed and must reside in the same household of the named insured.

Every person in your household who rides the bike must be on the policy. Also, any person in your household who has a motorcycle license must be on the policy regardless of whether they ride the bike, unless they have coverage under a separate policy.

Once your policy has been processed, you are able to view your policy, print policy documents (policy declaration page, endorsements, and privacy policy), renew and make installment payments online.

You may add another vehicle to your policy by phone or online. - If you would like to add the vehicle by phone, please call our customer service department at (800) 595-6393 with the year, make, model, ccs, and the vehicle identification number. - If you would like to add the vehicle online, please complete the Policy Change Request Form found under the motorcycle insurance section of the website under forms.

At this time we do not offer a discount for motorcycle safety courses in any state except Delaware and Virginia.

In Delaware, state law mandates a 10% discount for any operator who has completed an initial defensive driving course offered by a program certified by the state. The discount is on the bodily injury/ property damage premium and the personal injury protection premium. It is good for three years. It can be increased to 15% if a refresher course is taken within 90 days before the initial three years expires. Discount cannot be applied until program certificate is received. Any new discounts are announced at the beginning of the riding season.

In Virginia, state law mandates a 5% discount for any operator, 55 and older who has completed an initial defensive driving course offered by a program certified by the state. The discount is on the liability and physical damage premium. It is good for three years at which time the course will need to be taken again to continue the discount.

Our three-digit company code is 878.

Our NAIC # is 34509.

NJPLIGA is an acronym for New Jersey Property-Liability Insurance Guaranty Association. The association is a fund that pays claims for insolvent property and casualty insurance companies. All licensed insurance companies in New Jersey are required to be a member of NJPLIGA and contribute funds for its operation. The funds are contributed through a fee is applied to all policies in the amount of 0.7% of the total premium. It is billed in a lump sum and is nonrefundable.

MCCA is an acronym for Michigan Catastrophic Claims Association. The Association is a fund that is responsible for no-fault personal injury protection benefits for Michigan drivers. Nearly every motor vehicle in the state is assessed a surcharge payable to the MCCA, through the motor vehicle’s insurer. Nearly all on-road motorcycles are assessed this surcharge, payable with your premium but paid over to the MCCA. Rider does not keep the fee. Even though motorcycles do not have to be covered for personal injury protection benefits, motorcyclists are allowed to access the coverage offered by an automobile if they are injured in an accident that involves that automobile. Since motorcyclists can access the coverage, MCCA surcharges motorcycle insurance no differently than it does automobile insurance. The surcharge is on a per-vehicle basis.

If you were canceled due to your motor vehicle record, we will not insure you again until you are able to meet our guidelines. If you are unsure of our guidelines, please refer to question 10 in the New Policy section. Once you think you are within our guidelines, you will need to provide us with a current abstract. We will review it and let you know if you are eligible for coverage at that time.

A special ID card is needed when traveling to Canada. You will need to contact our office ahead of time with the dates of travel. This card cannot be faxed, so please leave enough time for our office to process your request and mail the card to you. This service is provided free of charge.

Your policy may be cancelled by phone or online. You may also mail or fax a letter listing your name, policy number, reason for cancelling with your signature. A signature is required on all written cancellations.

It will take up to four (4) weeks from the time your cancellation request is processed.

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FAQ - New Policies

In order to start a policy, you will need to provide us with your driver's license number and the Vehicle Identification Number in addition to your personal information.

When starting a policy you have several options:

By Phone

Call our Customer Service Department, during normal business hours, with your driver's license number and Vehicle Identification Number and one of our representatives will assist you. We can bind coverage over the phone and you can pay by Visa or MasterCard or set up electronic fund transfer at that time. If you chose to mail in your payment, it needs to be made within five days of the effective date. If payment is not postmarked within five days, your policy will become effective the day after the postmark date on the envelope containing your payment.

Online

Complete the online application and make the required payment by credit card or electronic fund transfer and start your policy anytime.

In Person

Come into our office at 120 Mountain Avenue, Springfield, NJ and bring the necessary paperwork and payment. We will provide you with a temporary ID card at that time and your permanent card and declaration page will be mailed out the same week.

- If you are at least 21 years old and insuring a non-sport bike, a permit is acceptable with no coverage or limit restriction. Sport bikes require a motorcycle driver's license for all coverages other than minimum liability coverage.

- If you are under the age of 21 and you are insuring a non-sport bike of 500ccs or less, a permit is acceptable.

- If you are under the age of 21 and you are insuring a non-sport bike over 500ccs, a motorcycle driver's license is required.

- If you are 25 or older, you may insure a sport bike for minimum liability coverage only.

- If you are insuring a sport bike and you are under the age of 25 or looking for physical damage cover or more than the state required limits of liability, a motorcycle driver's license is required.

If the policy is started over the phone, we can make it effective at the time of the phone call or up to 30 days in advance. A policy or binder number will be given to you at that time for registration purposes. If you do not pay by credit card at the time your policy is bound, you will need to send in your payment within five days of the effective date or the binder will be null and void.

Once your payment is received, your paperwork will be processed and your ID card and declaration page will be mailed out.

You may send someone in on your behalf as long as they have written authorization from you. The only people who do not need written permission are spouses and parents of minors.

By Phone

You are covered as of the effective date and time of your insurance policy, provided that the payment is postmarked within five days of the effective date.

Online

You are covered as of the time you make your payment online. Note: We do not recommend you operate the bike until you have received your ID card. If the police stop you, you may still get a ticket for not having the proper documentation.

If you are mailing in your payment, please include your policy number on the check or money order.

The premium must be paid in full if the policy is less than $200.00. If the policy is at least $200.00, Payment plans are available. See #3 under the Billing and Payments section for details.

We do not surcharge for points on your license. We do, however, count the number of points on your motor vehicle record to determine insurability. If you exceed our motor vehicle guidelines, we will be unable to provide coverage for you. The requirements are based on your age group and type of bike.

- If you are under the age of 26 or insuring a sport bike, we allow a maximum of (2) violation carrying points and a maximum of (1) at fault accident in the past three years.

- If you are 26 or older and insuring a non-sport bike, we allow a maximum of (3) violation carrying points and a maximum of (1) at fault accidents in the past three years.

*** Please note that although we do not surcharge for points on your license, it may affect your eligibility for our Preferred Operator Discount and Sport Bike Safe Driver Discounts.

At this time we are only licensed to insure residents of Delaware, Indiana, Maryland, Michigan, New Jersey, Pennsylvania, Ohio and Virginia. In order to qualify for coverage, you must be a resident of Delaware, Indiana, Maryland, Michigan, New Jersey, Pennsylvania, Ohio or Virginia and have a valid driver’s license in that state.

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