Motorcycles Insured by Rider

Standard Road / Street Motorcycles

Upright riding position, mid to forward controls, standard performance, street use only, 250cc and up, foreign and domestic made.

Coverage Options for Standard Road / Street 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.

Up to $8,000 in accessory coverage is included on all policies (except in Virginia) with the Standard Plus and Premium Packages insuring a non-sport bike or non-high performance bike 551ccs or over, 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 the Standard Plus and Premium Packages.

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 the Standard Plus and Premium Packages 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 the Standard Plus and Premium Packages.

Rider Accessory Package Detailed Description, Virginia

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

Street / Road Motorcycle Insurance

Check Your State for Motorcycle Insurance Coverage Options