1(800)595-6393

Delaware Motorcycle Insurance

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. All of our insurance policies insure individuals for recreational use only.

Effective 11/01/2019, Rider Insurance is no longer accepting new policies in Delaware. Please click here for assistance in obtaining a motorcycle, ATV or off-road vehicle insurance quote from InsuraMatch, an affiliated national insurance agency that represents other insurance carriers.

If you are a current Delaware policyholder, your policy will be unaffected by this change until it is scheduled to renew, at which time you will receive a replacement policy offer from another carrier or additional information.

If you are a former Delaware policyholder and you wish to cover your vehicle, please contact your agent or click on the above link to obtain a quote.

All of our Standard insurance policies include:

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.

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.

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 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.

Insurance Coverage Packages & Options

Liability Coverage

The State of Delaware requires that all motorcycle operators carry minimum liability coverage. The State of Delaware minimum requirements are $25,000 bodily injury, $50,000 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.

$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

Optional Coverages: Comprehensive & Collision

Comprehensive:
Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. 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.

Collision Coverage:
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision 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 collision coverage.

* In Delaware, you also have the option to purchase rental reimbursement coverage if you select physical damage coverage.

Roadside Assistance Coverage

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).

Accessory Coverage

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage, 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 $45,000 limit on comprehensive or collision coverage.

Helmet, Safety Apparel, Trip Interruption Coverage

This coverage is provided on all vehicles with physical damage coverage. 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.

Motorcycle Insurance 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 with a motorcycle driver license, age 26 and over, with a clean driving record, insuring a non-sport / non-high performance motorcycle, 576cc and over, with physical damage coverage. ***Rider 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, 551ccs and over with the he Standard Plus or Premium Packages. 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.

Delaware Safe Operator 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, 551ccs and over with physical damage.

Important: 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 actual terms, conditions and exclusions which apply to a specific insurance policy.