Learn About Motorcycle Insurance

Learn about Motorcycle Insurance

For our clients, motorcycles aren't just transportation, they're a way of life. We know motorcycle insurance because we love motorcycles too! Let us help you save money and protect your bike.

With Broad Underwriting, we can help cover a wide range of motorcycles including touring bikes, sport bikes, cruisers, three-wheel trike conversions, scooters, customs and classic bikes (motorcycles more than 20-years-old)

What is Motorcycle Insurance?

Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver.

Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.

Motorcycle Insurance Coverages

There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:

Optional Equipment Coverage $3,500 covers your optional equipment and is included with comprehensive coverage. (You can also increase your limits on Optional Equipment Coverage up to $15,000, which is great for custom painting, chroming, sidecars and other great additions to your ride that were not originally provided by the manufacturer.)
Safety Apparel Coverage Provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Replacement Cost Total Loss Settlement Replacement cost coverage provided for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This applies when you purchase a new motorcycle from an authorized dealer and insures it with us within 30 days. This coverage does not apply to custom or classic motorcycles. In the event of a partial loss, Foremost will use Original Equipment Manufacturer (OEM) parts as replacement.
Towing And Roadside Assistance With Trip Interruption Coverage Necessary expenses for towing and roadside assistance covered, also provided $500 toward Trip Interruption Coverage if the bike is disabled because of a covered collision loss and is more than 100 miles away from home.
Liability Only Coverage This broad coverage is meant for accidents involving your motorcycle (the coverage is for third-party injuries and property damage). The "only" option allows you to make the decision if the liability coverage is all you want. You decide. You can choose the limits that you want on your liability.
Collision Coverage Regardless of who is at fault, this covers your motorcycle in the event of damage caused by collision with other vehicles and trees or utility poles.
Other Than Collision Coverage Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.
Medical Payments Coverage Hopefully, never needed, but very important with motorcycle insurance, this coverage pays for the necessary medical care you receive as a result of an accident with primary (first party) coverage provided, with an extra $500 for medical bills incurred for injuries resulting from a covered loss if the insured was wearing a helmet that is approved by the Department of Transportation (DOT).
Trailer Coverage Provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $7,500).
Uninsured/Underinsured Motorist Coverage Coverage that protects you financially if you're in an accident with someone who's at fault and either has no insurance or insufficient insurance.