Motorcycles Insured by Rider

Sport / High Performance Motorcycles

Sport / High Performance Motorcycles have an aggressive riding position, rear controls, high performance, lightweight, plastic body work, 551cc and up, street use only, foreign and domestic made. Rider's insurance policies cover individuals for recreational use only.

Coverage Options for Sport / High Performance Motorcycles

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.

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.

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

This coverage is provided on all policies with the Standard Plus and Premium Packages. 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

    Rider's insurance policies cover individuals for recreational use only.

    Rider classifies these models as sport-high performance motorcycles:

    • ARCTIC CAT: Wildcat 1000I H.O.
    • HONDA: CBR, CB 1000R, VTR (Super Hawk), RVT (RC51), VFR
    • KAWASAKI: Ninja 551 – up, ZX, ZX14, Z750S (2006 and later), Z1000 (2006 and later), GPZ, ZZ-R, VERSYS
    • MV: All Models – 551 cc’s and up
    • MZ: 1000SF Skorpion, 1000S, 1000N
    • SUZUKI: GSX, GSXR, Katana, RF, TL
    • YAMAHA: YZF, R1, R6, GTS
    • EBR: 1190 RS all editions, 1190 RX-eff. 4/30/14
    • APRILIA: RS SERIES, DORSODURO, MANA 850, SHIVER 750, TUONO V4
    • BENELLI: TORNADO, CAFE
    • BMW: HP4, K1200S, K1300S, S1000RR, S1000R
    • DUCATI: All Models except Scrambler
    • HYOSUNG: GT650’S
    • KTM: SUPER DUKE R1290, DUKE 690, RC8 &
    • TRIUMPH: SPEED TRIPLE SERIES(all), DAYTONA SERIES (all)
    • WILDCAT: 1000 X, Trail 700 & Sport Limited EPS

The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle, except in VA. See Insurance Coverage by State for details.

Sport Motorcycle Insurance

Check Your State for Motorcycle Insurance Coverage Options