Motorcycle Express

North America Insurance Program (NAIP)

Make sure to get your insurance prior to your trip departure.  If you need a Canadian ID Card, we will need to Express Mail this to you, so this requires lead time. 

The insurance will provide coverage only while the motorcycle is in the United States or Canada and only during your requested policy term.  We utilize a US mailing and Garaging address in the United States for your travel policy term.

Once policy is in effect, there will be no cancelation refunds as this policy contains a provision of all premium, is fully earned upon passing policy inception date. 

You will be ineligible for insurance if any of the following apply to you:

• The motorcycle is not owned by you.

• The motorcycle is used for delivery, transportation network, or for business.

• The motorcycle is custom built or without a vehicle identification number (VIN).

• The motorcycle original cost new greater than $50,000 USD.

• The motorcycle has a modified engine to increase performance (i.e., Nitrous Oxide, Turbo, etc.); has a modified frame (i.e., changes to the neck producing a ‘chopper’ look or lowering of the frame); or the vehicle has been rebuilt with an aftermarket engine &/or frame components.

• The motorcycle is greater than 30 years old, we will only offer liability coverage.

Coverage Description

Liability Coverages

Bodily Injury (BI) and Property Damage (PD)

• It covers injuries caused by the policyholder to another person related to the person's motorcycle.

• BI/PD coverages must be written together.

• Includes Guest Passenger Liability — Bodily Injury coverage (GP)

• Coverage is mandatory.

• NAIP limit of liability is $100,000/300,000/50,000.

Uninsured/Underinsured Motorist Bodily Injury (UM/UIM BI)

• Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) is used specifically when the other person is at fault for an accident, but they are either uninsured (which is illegal by the way) or underinsured. Underinsured basically means their bodily injury limits are too low to cover all your medical expenses.

• Limits cannot exceed Bodily Injury limits.

• Limit selected for BI/PD, same limit for UM/UIM BI will be provided.

• Coverage is mandatory.

• NAIP limit of liability is $100,000/300,000/50,000.

Medical Payments (MP)

An optional policy level coverage (for the motorcycle operator) that pays for reasonable expenses incurred for medical and/or funeral expenses incurred due to a motorcycle accident.

• Bodily Injury (BI) coverage is required.

• Limits must be the same for all motorcycles on a policy.

• Limits are per person per accident.

• Coverage is included.

• NAIP offered limit of $2,000.

Physical Damage

Comprehensive and Collision Coverage (Comp/Coll) - ACV

• Physical damage insurance is a type of insurance that covers physical damage to your motorcycle.

• Physical Damage Only policies are not acceptable, Liability Coverage is required.

• Salvage vehicles are not acceptable.

• Comprehensive and Collision coverages are required on any motorcycle with a loss payee.

• NAIP deductible is $1,000 for both Comprehensive/Collision coverage.

Actual Cash Value (ACV)

Pays the fair market value when there is a Total Loss. The limit of liability for Physical Damage losses to motorcycles insured with the ACV settlement method will be the LOWER of:

• ACV of the stolen or damaged property at the time of loss;

• Amount necessary to replace the stolen or damaged property; or

• Amount necessary to repair the stolen or damaged property to its pre-loss condition.

Customized Equipment and Parts Coverage

Policies with Physical Damage provide coverage for all equipment made by the motorcycle’s manufacturer that is permanently installed on the motorcycle when purchased new (invoice required).

• The first $3,000 for motorcycle and $1,000 for offroad vehicle of customized equipment and parts is included.

• Includes equipment and parts permanently attached to the motorcycle, such as custom paint, and customized illustrations.

• Premium is based on the actual cash value of all customized equipment and parts.

The following are excluded from customized equipment and parts coverage:

• Radar detectors, carbon fiber bodywork or accessories, and helmets (see Helmet coverage).

• Coverage is included with the purchase of Comprehensive and Collision coverage.

• NAIP program includes $3,000 of coverage for street only motorcycles and $1,000 limit for off-road motorcycles.

 

Safety Apparel Coverage/Helmet Coverage

Up to $400 of Safety Apparel and Helmet coverage is included at no additional premium on all cycles on the policy with both Comprehensive and Collision coverages. Coverage only applies when the safety apparel and helmet is worn during a covered loss.

• Coverage is included with the purchase of Comprehensive and Collision coverage.

• NAIP program includes $400 of coverage.

Towing and Labor Coverage

• Coverage is optional, with Towing and Labor coverage, we provide towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the motorcycle or vehicle towing them is disabled within 100 feet of the roadway due to: mechanical or electrical breakdown, battery failure, insufficient supply of fuel, oil, water or other fluids, flat tire, lockout or entrapment in snow, mud, water or sand.

• Limited to 1 per occurrence; 3 occurrences per policy period.

• Available for any motorcycle on the policy with Comprehensive and Collision coverages.

• Coverage is optional.

• NAIP limit offered is $150 of coverage.

Trip Interruption Coverage

• Coverage is optional, we will reimburse interruption expenses when disablement occurs more than 100 miles from the insured’s primary residence. Coverage provides daily maximums of $100 lodging, $50 for meals and $50 alternate transportation while the motorcycle is being repaired.

• Coverage is limited to $400 per disablement and no more than three (3) occurrences per policy period.

• Available for any motorcycle on the policy with Comprehensive and Collision coverages.

• Coverage is optional.

• NAIP limit offered is $400 of coverage.