Motorcycles Insured by Rider

Trikes

Upright riding position, mid to forward controls, 3 wheels, heavyweight, can contain bodywork, saddlebags, trunks, tour packs, street use only, 500cc and up, foreign and domestic made

Coverage Options for Conversion Kit Trikes

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

Coverage Options for Manufactured Trikes

Rider will only insure manufactured trikes with seating limited to one passenger.

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

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

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

Trike Insurance

Check Your State for Motorcycle Insurance Coverage Options

++ If insured under the Standard Plus or Premium Packages, the NADA book value of certain trike conversion kits will be added to the book value of the stock motorcycle; after depreciation the total cannot exceed $45,000. Lehman Trikes, Moto Trikes, and California Side Car Trikes are the trike conversion kits to which this applies, although Rider updates the list from time to time to include others. All trike conversion kits not on the list will be covered under the Rider Accessory Package, if applicable. If you want to check if your particular kit has been added to the list, please contact our office.