Motorcycle Insurance
Ride confidently with protection you can trust.
Liability, collision and comprehensive plus custom parts and equipment coverage and roadside assistance, for cruisers, touring, sport and custom bikes.
Chapter 01
Custom parts and equipment is its own limit
This is the most commonly under-insured item on a modified bike. Exhaust, bags, bars, paint and chrome are not automatically carried at their real replacement cost by the base policy, and the gap only becomes visible after a loss.
If you have spent money on the bike beyond what it left the showroom as, that figure needs saying out loud when the policy is written.
A touring motorcycle parked on a Florida Gulf coast causeway at golden hour
How the three main coverages behave on a bike
Liability, collision and comprehensive exist on a motorcycle policy as they do on an auto policy, but the exposure underneath them is different. A rider has far less between them and the road, and injury severity drives claims in a way it does not for a car.
That difference is worth reflecting in the limits rather than copying the limits across from the car policy.
Roadside assistance and the long Florida ride
Cruisers, touring, sport and custom bikes all end up a long way from home on this coast. Roadside assistance on a motorcycle policy is not the same product as the one on a car policy, and it is worth confirming what it will actually send.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.