Motorcycle.
Chopper.
Hog.
Whatever you call it, you’re going to need insurance for it!

In most cases, anything that has a license will need its own separate insurance coverage for physical damage and liability exposure. This means that motorcycles are not automatically covered under your personal auto insurance. However, motorcycle insurance policies can be written with coverage similar to an auto policy and are often available at a substantially cheaper rate.

Typically, a motorcycle policy will include the following standard coverage:

• Liability
  • This coverage protects you for the legal liability you incur due to an accident that involves injury or damage to property.
• Physical Damage Coverage
  • Comprehensive
    • This covers your motorcycle in the event of damage caused by fire, theft, vandalism, or animals.
  • Collision
    • This covers your motorcycle in the event of damage caused when you collide with another object, such as other motorized vehicles or trees.

Supporting coverage that we highly recommend:

There are 2 types of coverage that are required by the state of Minnesota for personal auto policies, but are not required for motorcycle policies. Medical Payments and Uninsured/Underinsured Motorists coverage are very important to have on your policy in case of an accident, but for some reason are not standard on most motorcycle policies. If an accident does occur between a motorcycle and a vehicle, the motorcycle operator is likely to be at greater risk of injury than the individuals in the vehicle. That is why we strongly recommend adding these coverage components to your policy to make sure you are covered for every possible incident.

• Medical Payments
  • This covers medical bills related to a motorcycle accident up to the limit on your policy. If this coverage is not on your policy, you could be responsible for the full out of pocket cost of medical bills.
• Uninsured/Underinsured Motorists
  • If you are in an accident and the other vehicle is at fault, but they either don't have insurance or don't have enough insurance, that's when this coverage kicks in. This coverage is paid to you, the policy holder, for lost wages and medical treatments you would have received from the other party if they had a policy in force. This is a way to help protect yourself in case another driver is not carrying adequate insurance coverage.

Optional coverage:

• Roadside Assistance/Towing - Coverage for towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the unit is disabled due to:
  • Mechanical or electrical breakdown
  • Dead battery
  • Flat tire
  • Insufficient supply of fuel, oil, water or other fluids
• Custom parts & equipment - Coverage for equipment, devices, accessories, enhancements and changes other than those which the original manufacturer installed, which alter the appearance or performance of the unit. This includes:
  • Electronic equipment such radios or communication devices which are permanently installed on the unit
  • Sidecars, or trailers designed to be pulled by the unit
  • Custom paint or chrome
  • Safety riding apparel including helmets (these items will normally only be covered for a collision loss as theft is not included)
• Accessories and Personal Belongings - Many policies provide a standard low limit for coverage on basic accessories or personal items that may be on the bike while you are riding it. Depending on the items you frequently bring with on a ride, you have the option to add additional coverage if needed. This would cover items such as camping gear, clothing, or even your phone if it was damaged or stolen.

Possible Discounts

Discounts depend on the company providing the coverage and vary depending on the drivers, the type of the motorcycle, distance driven, and more. These are just some of the discounts available with the companies we represent:

• Clean driving record
• Multi-policy (more than 1 type of policy with the same company)
• Multi-vehicle (more than 1 motorcycle on the same policy)
• Safety Course Completion and Motorcycle Endorsement on your driver's license
• Pay in Full (paying your policy premium all at once instead of in payments)