Motorcycles driving down highway

Your Assurance. Your Way.

No two riders are exactly alike. The right level of protection for one person may not be enough for another. And with so many different motorcycle insurance options available, choosing the right coverages can be confusing. That’s why we created our Rider Assurance Packages with the unique needs of the motorcycle and off-road community in mind. With a wide range of coverages, features and benefits, our packages make sure you have the right coverage you need.

Each of our motorcycle policies automatically includes a variety of Rider Essential Assurance and Rider Assurance Plus benefits. Plus, motorcycles with comprehensive coverage include our Rider Accessory Package with up to $8,000 coverage and the option to tailor your policy with increased limits.

Our Rider Assurance Packages are outlined below.


Rider Essential Assurance


Rider Assurance Plus

  • Rider Roadside Assistance – 24-hour assistance if your motorcycle is disabled. Coverage includes flatbed towing up to 35 miles, battery jumpstart, mechanical or electrical breakdown assistance, lockout service, emergency fluid delivery (cost of fluids not included), concierge service and an information hotline. Not available for  motorcycles used off-road.2
  • Helmet Coverage – covers safety helmets five years old or less (Department of Transportation (DOT) approved) damaged as a result of a covered collision loss, up to $500 per occurrence and is subject to the per motorcycle collision deductible.*
  • Motorcycle Safety Riding Apparel Coverage – covers up to $500 damage to safety riding apparel (clothing designed to minimize injury in a motorcycle accident) worn during a covered collision loss and is subject to the per motorcycle collision deductible.*
  • Trip Interruption Coverage – up to $600 payment for meals and lodging for an interrupted trip due to a covered collision or comprehensive loss making the insured motorcycle unusable. The loss must occur more than 100 miles from your residence.*
  • Trailer Coverage – for policies with comprehensive 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.*
  • Replacement Cost Coverage – payment up to $45,000 to replace an insured motorcycle purchased new and deemed a total loss within one calendar year from the purchase date, as long as collision and/or comprehensive coverage applies to the insured motorcycle at the time of loss.*
  • Carried Property Coverage – provides up to $1,000 to repair or replace personal property damaged as a result of a covered collision or comprehensive loss to an insured motorcycle.*

Rider Accessory Package

Motorcycles with comprehensive coverage automatically include up to $8,000 of accessory and customization coverage. This includes damage to accessories, chromed parts and non-standard equipment in the case of a covered motorcycle loss. You also have the option to tailor your policy with increased limits up to $30,000. Not available for ATVs or UTVs.

Interested in upgrading your Accessory Package? Contact us or speak with your agent to hear more details and check your eligibility. We’d be happy to walk you through your options.


*Available to customers who have purchased comprehensive or collision coverage.

Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.

1Get Home Safe: Policyholders may be reimbursed up to $50 for the cost of a taxi or car service ride once per policy per year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their motorcycle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.

2Roadside assistance is provided by Quest Towing Services (QTS). Cost of fluids will be responsibility of policyholder. At no charge to the policyholder, a tow will be provided to any qualified repair facility of policyholder's choice within a 35 mile radius of the motorcycle's disablement location. If the policyholder requests to be towed to a destination beyond 35 miles, the policyholder will be responsible to pay the tower at the time of tow the difference in cost from the nearest qualified repair facility within 35 miles and the tow destination they requested. Winching (usually defined as 25 to 30 feet from road depending on tower’s equipment) will be included in the Roadside Services provided for passenger motorcycles. Roadside assistance service for motorcycles does not include services for motorcycles used off-road, trailers used to haul motorcycles, or any service that is reasonably non-accessible to towers. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting QTS. Policyholder is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services. A maximum amount of $150 will be reimbursed if the service provider is unable to provide assistance due to specific highway towing restrictions. A copy of the receipt is required.