FREQUENTLY ASKED QUESTIONS

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. Coverage is optional. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

Pays for covered losses from damage not related to a collision with another vehicle or object. Types of coverage covered under comprehensive insurance includes natural disasters and storms, fire, vandalism, theft, damaged caused by hitting an animal and falling objects. A motorcycle is eligible for this coverage if it is listed in the NADA appraisals guide and is within 40 years of the current calendar. Coverage is optional and subject to a deductible and $45,000 policy limit.

Rider Insurance will pay replacement cost for certain total loss motorcycles. Motorcycles that are entitled to replacement cost must have been purchased new and within one calendar year of the date of loss. Replacement cost means the cost of purchasing the same motorcycle or the price you paid for it, whichever is less, minus the deductible. It is up to the insured to find a replacement bike. Invoices will be required. Replacement cost does not include every dollar spent when the bike was purchased. For example, it will not include payment for extended warranties or other dealer incentives; it will also not guarantee that any loan will be completely paid off, if that loan exceeded the unit cost of the bike.

The maximum Rider will pay will be $45,000, plus accessories, if eligible (up to the accessory limit). Accessories coverage is not included in the replacement cost coverage. Accessories will be covered under the accessory coverage endorsement where applicable.

The Rider Accessory Package applies to all qualifying vehicles listed on the declaration page of your policy of insurance with comprehensive or collision coverage. For no additional premium, the Rider Accessory Package includes two separate coverage benefits. First, it supplies coverage for accessories, chromed parts and non-standard equipment and customized paint up to a maximum of $8,000 ($3,000 for paint), subject to the per motorcycle deductible. Second, it supplies coverage for trailers, as excess above any other available coverage. You also have the option to tailor your policy with increased limits up to $30,000. Not available for ATVs or UTVs.

If you purchased comprehensive or collision coverage, you are automatically covered for the following items: damage to DOT approved helmets 5 years old or less to a maximum of $500, after applying the collision deductible; and safety apparel that was damaged in an accident, to a maximum of $500, separate from the $500 maximum for a helmet, after applying the collision deductible. Finally, the package supplies trip interruption coverage for a limited reimbursement for meals and lodging if you get stuck more than 100 miles from your home because of an accident.

If you purchased comprehensive coverage or collision coverage, trailer coverage protects from damage caused by an insured peril to a trailer that can be towed by a motorcycle regardless of whether it is attached, and applies in excess above any other available coverage. This covers the trailer itself (excluding accessories and customization), not items within it.

This is an optional coverage which pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault. Limit options include options up to $25,000.

No, your motorcycle is not covered outside the United States. The only exception is Canada, and you will have to obtain a Canadian ID card from Rider Insurance as proof of insurance. Please contact us with your request.