Motorcyclists are a special breed. The feeling of hopping on and catching the wind appeals to your unique sense of self-reliance and independence. We get it.
We share your love of cruising the open road and feeling the kind of freedom only a motorcycle can offer. Of course, not all riders are alike. That’s why we tailor the precise policy you need to protect yourself and whatever style of bike you ride. If you live in Washington, California, or Arizona, chances are we cover what you ride.
How We’re Different
There are as many kinds of motorcycles as there are riders. And as the popularity of motorcycling continues to grow, especially among women, more styles and sizes of bikes come onto the market each year. Whether you’re into cruisers, choppers, sport cycles, touring bikes, scooters, or dirt bikes FirstMark has the coverage you need to properly protect it. Enjoy the flexibility of choosing the best policy to fit your life by letting a knowledgeable agent work with you to find coverage to meet your needs.
What Your Motorcycle Policy Covers
Your mandatory motorcycle insurance requirements will depend on where you live. Of course, FirstMark policies are written to satisfy all state requirements, so talk with a an agent to learn about mandatory insurance levels in your area including:
Comprehensive coverage helps pay for repairs or replacement if your motorcycle is stolen, vandalized, or damaged in some way other than a collision. This coverage also protects you against loss or damage from flooding, fire, falling objects, wind, and collision with an animal.
This coverage helps pay for repairs to your motorcycle for damage caused by an accident regardless of who is at fault. So, you’re covered if your bike is knocked over, hit, or collides with another object.
No matter who is at fault, coverage is available to pay hospital bills and other medical care expenses for you and a guest passenger injured in an accident.
Uninsured/Underinsured Motorist (UM/UIM) Coverage
It’s a common misconception that your health insurance will always cover additional medical bills you may have because of an accident. Actually, that’s what UM/UIM coverage is for. It pays for the care you need that isn’t covered by your health insurance. This includes pain and suffering, scarring, permanent impairment, and other conditions.
And since motorcycle accidents can be severe, it’s important to be well protected. UM coverage can’t exceed bodily injury limits, so it’s best to select limits that are what you want for yourself for both bodily injury and uninsured motorist coverage. Some states require you to carry this coverage to help pay for expenses from an injury or death caused by an uninsured, underinsured, or hit-and-run driver, so check with an agent about requirements in your area. This coverage also protects you if you are hit by a vehicle as a pedestrian.
Ride with confidence knowing help is on the way if you need it. Motorcycle roadside assistance includes towing to the nearest qualified repair shop, fuel and fluids delivery, basic emergency services, trip interruption benefits, and more.
Trip Interruption Coverage
Trip interruption benefits are automatically included with your coverage. This helps pay for food and lodging if you’re stranded far from home due to a breakdown.
Custom Parts and Equipment
Custom parts reflect who you are — and they’re an important part of what makes your bike distinctly yours. You also have the option to increase coverage up to $20,000 per bike. We will repair or replace your custom parts and equipment without adjustment for depreciation, which means your customizations are fully protected.
OEM Parts Coverage
If something happens to your bike, you want to be sure the repairs are done right. Optional motorcycle coverage is available to include use of original equipment manufacturer (OEM) parts during repairs. For more details, contact FirstMark.
New Harley-Davidson® Replacement Cost
We may be able to provide total loss coverage on a current model year Harley-Davidson if you are the original owner and purchased it within the last year. Otherwise, most of our policies offer ACV, like an auto policy.
Bodily Injury Liability
Guest Passenger Liability
Property Damage Liability
Motorcycle Insurance Discounts & Savings Options
Since you’re a safe and responsible rider, you have many ways to reduce the cost of motorcycle insurance. Talk with your local independent agent about how you could save nearly 50% on your premiums by doing the following:
Take a Motorcycle Safety Course
You’ll get a discount that lasts three years when you complete a course from the Motorcycle Safety Foundation or other approved organization.
Join a Riding Club
FirstMark will reward you with a discount for maintaining active membership in one of 24 approved riding clubs across the U.S.
Go for a Ride
Experienced motorcyclists are safer riders. And the longer you ride without a claim, the lower your premiums. We’ll even automatically adjust your policy for age and riding experience each year at renewal time to make sure you have the lowest possible premiums. So, you can keep doing what you love, knowing you’re getting great coverage and outstanding value.
Store Your Bike in a Garage
You get a discount for storing your bike in a locked garage or other secure location.
Own Your Home
You can save big on motorcycle insurance if you own your own home, townhouse, condominium, or mobile home.
Theft Recovery and Anti-Lock Brakes
Having features such as a theft recovery device or anti-lock brakes on your motorcycle helps lower your rates.
Shop Ahead of Time
Receive a quote one or more days ahead of the policy effective date and automatically receive a discount. You’ll receive the biggest discount if you shop eight or more days in advance.
Even More Ways to Save
Other ways to save on your monthly premiums include:
- Insuring more than one motorcycle with FirstMark.
- Carrying other FirstMark policies including home, auto, umbrella, or specialty.
- Maintaining continuous coverage.
- Paying your bill in full.
- Making a claim-free renewal.
- Choosing a higher deductible, which generally lowers your monthly premiums.
What does motorcycle insurance cover?
What types of motorcycles does FirstMark cover?
I race my motorcycle. Is FirstMark coverage right for me?
Does FirstMark offer discounts on motorcycle insurance?
Will I save money if I belong to a motorcycle association?
What if I’m hit by another driver who is underinsured or not insured at all?
I’m a new rider. Am I eligible for insurance with FirstMark?
I’m an experienced rider. How do you reward my riding experience?
Can I insure multiple vehicles on the same policy?
Do you insure trikes?
I like to go for long rides of 100 miles or more. What happens if I break down?
What if my driving record isn’t perfect or I need a SR-22. Can I still insure my bike with FirstMark?
Do you cover bikes with modifications?
FirstMark currently does not insure motorcycles with front fork extension or a handlebar extension greater than six inches over the original manufacturer’s length.