MOTORCYCLE INSURANCE
1(800) 595-6393
WHAT WE INSURE : DELAWARE
Delaware Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options
The information on this page is intended to be advertising statements, and is not 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.
- Liability Coverage
- Quality-Plus Package
- Accessory Coverage
- Helmet, Safety Apparel, Trip Interruption Coverage
- Roadside Assistance Coverage
- Discounts
General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for Delaware
Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Delaware. All of our insurance policies insure individuals for recreational use only.
All of our insurance policies include the following:
Underinsured/Uninsured Motorist Coverage
All policies, including moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy, unless you choose lower limits. Uninsured Motorist coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured who is at fault for an accident. Underinsured coverage allows you to obtain payment for injuries caused by an underinsured motorist who is at fault. These coverages are optional. You are allowed to reject these coverages if you choose to do so. Your premium will be reduced as a result.
Bodily Injury and Property Damage Liability Coverage
Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.
Personal Injury Protection 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.
If you are interested in supplementing your PIP benefits, Rider is pleased to refer our customers to AFLAC® to consider AFLAC’s Accident Indemnity Plan. Although it is not health insurance, it is designed to put money back into your household for you to use however you see fit. It covers a wide variety of accidents, from as small as cutting your finger and needing stitches, to as big as a motorcycle/car accident.
If you would like to find out more information, please click on the Aflac Learn More button below.
No-Fault Property Protection Coverage
Your policy includes no-fault protection of property that is damaged in an accident involving your motorcycle as long as the damaged property is not a motor vehicle, aircraft or watercraft, or items in or on them. This coverage is at no additional cost. Coverage limits are $10,000 per accident.
LIABILITY COVERAGE
The State of Delaware requires that all motorcycle operators carry minimum liability coverage. The State of Delaware minimum requirements are $15,000 bodily injury, $30,000 each accident, and $10,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.
Rider offers a range of liability options higher than the standard liability limits.
$25,000 Bodily Injury - Each Person
$50,000 Bodily Injury - Each Accident
$10,000 Property Damage
$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage
$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage
$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage
QUALITY-PLUS PACKAGE
This package includes fire, theft, comprehensive, and collision coverage with the liability limits of your choice. Rider will pay up to $40,000 for any damages to or theft of an insured motorcycle, subject to your deductible and policy exclusions. All vehicles must be listed in the N.A.D.A Book to qualify for this coverage. In Delaware, you also have the option to purchase rental reimbursement coverage, if you select our Quality-Plus Package. Rental Reimbursement Coverage pays you up to $10 per day for a maximum of 30 days for a rented bike if your bike is in the shop or is totaled, due to accident or theft.
ACCESSORY COVERAGE
Up to $8,000 in accessory coverage is included on all policies with the Quality-Plus package insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the up to $40,000 limit on the Quality-Plus package.
Please read the Rider Accessory Detail Package Description
Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.
HELMET, SAFETY APPAREL, & TRIP INTERRUPTION COVERAGE
This coverage is provided on all policies with the Quality-Plus package. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.
Please read the Rider Helmet, Motorcycle Safety Apparel and Trip Interruption Coverage Description
ROADSIDE ASSISTANCE
Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.
- Towing up to 35 miles
- Mechanical or electrical breakdown
- Battery Jumpstart
- Flat tire towing (up to 35 miles)
- Lockout
- Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).
DISCOUNTS
Multi Bike Discount:
A discount applies to all policyholders who have more than one covered vehicle on their policy at the same time.
Transfer Discount:
A discount is offered on all non-sport bikes transferring coverage from another insurance company to Rider with no more than a 30-day lapse in coverage.
Preferred Operator Discount:
A discount is offered to any applicant, age 26 and over with a clean driving record, who is insuring a non-sport / non-high performance motorcycle, 576cc and over, for the Quality-Plus Package. A clean driving record is now defined as no moving violations that carry motor vehicle points and are not drug or alcohol related and no at fault accidents in the past three years.
***Rider now offers Accident and Ticket Forgiveness for a minor violation or accident. We will forgive 1 two point violation or 1 at fault accident with a payout of less than $2000.
Sport Bike Safe Driver Discount:
A discount is offered to any applicant, age 35 and over with a clean driving record, who is insuring a sport / high performance motorcycle, 576cc and over with the Quality-Plus Package. A clean driving record is now defined as no moving violations that carry motor vehicle points and are not drug or alcohol related and no at fault accidents in the past three years.
Rider now offers Accident and Ticket Forgiveness for a minor violation or accident. We will forgive 1 two point violation or 1 at fault accident with a payout of less than $2000.
Delaware Safe Operator Discount
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.
