Motorcycles Insured by Rider

ATV / Off-Road Vehicles (All-Terrain Vehicle)

Upright riding position, mid controls, light to heavyweight, knobby tires, sport & utility use, off-road use only, 4 wheels, 150cc to 1000cc, foreign and domestic made.

Coverage Options for ATV / Off-road Vehicles

The information on this page 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. Motorcycle insurance coverage varies by state. These descriptions are intended only as a guideline. All terms and coverages are defined solely by each policy. Rider's insurance policies cover individuals for recreational use only.

Liability coverage varies by state. Check your state for options.

First Party Medical Payment coverage varies by state. Check your state for availability and options.

Not all Optional Coverages are available for all bike types. Optional Coverages vary by state. Check your state for availability and options.

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.

Rental Reimbursement varies by state. Check your state for rental reimbursement coverage availability and options.

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.

Rider Accessory Package Detailed Description

Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage at no additional cost. This includes customized parts and equipment, paint, helmet coverage, safety apparel and trip interruption. The coverage is in excess of the up to $45,000 limit on comprehensive or collision coverage.

Rider Accessory Package Detailed Description, Virginia

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.

Rider Helmet, Motorcycle Safety Apparel and Trip Interruption Coverage Description

ATV Insurance

Check Your State for Motorcycle Insurance Coverage Options