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.

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

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.

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

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 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

Trike Insurance

Check Your State for Motorcycle Insurance Coverage Options

++ If insured under the Optional Coverages, 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.