Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Motorcycle & Recreation
Bikes, ATVs, snowmobiles, golf carts and the gear that goes with them.
What this cover does
Recreational vehicles are excluded or badly under-covered by auto and home policies. A dedicated policy handles the vehicle, the rider and the equipment, with cover that reflects seasonal use rather than daily commuting.
Typically included
- Liability for injury and property damage
- Collision and comprehensive on the vehicle
- Uninsured and underinsured motorist cover
- Custom parts, accessories and aftermarket equipment
- Safety apparel including helmet, jacket and boots
Common add-ons
- Lay-up credits for the off-season
- Trip interruption and roadside assistance
- Transport trailer cover
- Agreed value on a restored or custom build
Questions
What people ask about motorcycle
Is my gear covered?
Only with a safety-apparel endorsement on most policies. Helmets and leathers add up quickly and a standard form usually caps them low.
Can I pause cover over winter?
Many carriers offer lay-up periods that reduce the premium while the bike is stored, keeping comprehensive cover for theft and fire in place.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Motorcycle & Recreation
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.