Motorcycle Insurance

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.

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 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 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.

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.

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.

FirstMark will reward you with a discount for maintaining active membership in one of 24 approved riding clubs across the U.S.

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.

You get a discount for storing your bike in a locked garage or other secure location.

You can save big on motorcycle insurance if you own your own home, townhouse, condominium, or mobile home.

Having features such as a theft recovery device or anti-lock brakes on your motorcycle helps lower your rates.

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.