The motorcycle insurance coverage offered by our carrier partners offers a wide range of protection. This will give you peace of mind and protect your bike. With most of our partners, many of these coverage types are automatically included, and other are optional.
Compare motorcycle insurance coverage options below and see why so many riders choose IronPoint. Then get a quote with coverages and limits customized to your needs.
If you purchase your motorcycle insurance coverage through our partner, Progressive Insurance, these coveages are automatically included:
We’ll always return your bike to pre-accident condition or better.
Example: Your three-year-old handlebar gets damaged in a covered loss. Its depreciated value is only $100, but you need to replace it with a new one that costs $250. We will give you the full $250 for a brand-new handlebar and not the depreciated value of $100.
You’ll choose the amount you need to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories. If that’s not enough, you can purchase up to $30,000 in coverage. Keep in mind, as you make upgrades to your bike, you may want to increase your accessory coverage limit so you’ll be adequately protected.
Example: A few months after you bought your bike, you added a custom, diamond-stitch seat to your ride. If it’s damaged in an accident, your accessory coverage will replace the seat. A deductible applies.
If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs. Or if you have custom parts, we’ll use custom parts in repairs. With Progressive, you’re always covered with the same or better parts. This coverage is included if you add comprehensive and collision.
Example: Your headlight is damaged in an accident. We’ll replace it with one from the original manufacturer. At Progressive, we know you’re proud of your bike’s brand and you don’t want to settle for aftermarket parts.
These are the basic protections you receive when you purchase motorcycle insurance:
Pays for damages to other vehicles and injuries to others if you’re liable in a motorcycle accident, as well as legal expenses if you’re sued. Bodily injury coverage is mandatory in almost every state.
Example: You’re at fault in an accident with another motorcycle, injuring the rider and damaging their bike. We’ll pay for both the rider’s injuries and damages to their bike up to your policy’s limits.
You’ll choose the amount you need to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories. If that’s not enough, you can purchase up to $30,000 in coverage. Keep in mind, as you make upgrades to your bike, you may want to increase your accessory coverage limit so you’ll be adequately protected.
Example: A few months after you bought your bike, you added a custom, diamond-stitch seat to your ride. If it’s damaged in an accident, your accessory coverage will replace the seat. A deductible applies.
Comprehensive pays to repair or replace your motorcycle if it’s stolen, vandalized or damaged in a fire or collision with an animal. Collision coverage pays to repair or replace your bike if its damaged in an accident. You’ll be able to choose your deductible amount for comprehensive and collision.
Example: You’re in a collision with a deer and your motorcycle is totaled. Comprehensive coverage will pay for the actual cash value of the bike, minus any deductible.
Pays for you and your passengers’ medical bills if you’re in an accident, regardless of fault.
Example: You fall off your bike and break your arm. Unfortunately, you don’t have health insurance but your policy’s medical payments will cover your medical bill up to specified limits.
These are the bells and whistles you can add to your motorcycle insurance coverages. Many of these are very popular with our policyholders:
Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If your bike is totaled, we’ll give you the full manufacturer’s suggested retail price for a brand new bike, minus the deductible on your policy.
Let’s say that you bought a motorcycle for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs over $15,000, we’ll give you that amount. If your motorcycle is no longer eligible for total loss coverage at renewal, your policy will still cover the actual cash value of your bike.
If your bike is disabled anywhere in the United States or Canada, our roadside assistance program will tow your bike to the nearest repair shop for free. You can also add trip interruption to pay for food, hotel or transportation up to $500 if you’re away from home.
Covers personal belongings that you carry on your bike if they’re damaged, stolen, or lost, including phones, camping equipment and hunting gear.
Example: You’re in a collision with a deer and your motorcycle is totaled. Comprehensive coverage will pay for the actual cash value of the bike, minus any deductible.
We’ll take 25% off your deductible for every claim-free motorcycle policy you have…all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.
If you’re injured and can’t work, we’ll pay you up to $250 every week for two straight years. We’ll also add death benefits to this, so if you’re in a fatal accident, we’ll pay your beneficiaries $25,000.
The term “full coverage” means something different to everyone, but often refers to carrying basic liability as well as physical damage coverage (comprehensive and collision). The amount of coverage that’s right for you will depend on many factors, including the value of your bike and whether it is being financed. If you’re unsure about what you need, call us and speak with a licensed representative about recommended motorcycle insurance coverages.
We’ll compare motorcycle insurance quotes for you. It’s Fast, Free, and Secure.
Call 1-877-334-7646 to speak with an insurance agent.
Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646
IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.