Motorcycle Insurance Coverages

This is why we’re the #1 motorcycle insurer

The biggest difference with us is the actual protection you buy. Sure, we offer the same standard motorcycle insurance coverages that everyone else does. But, as the #1 motorcycle insurance company, we dig a bit deeper and offer more unique coverages. Go ahead, compare motorcycle insurance coverages here and everywhere else and really see who’s best.

Coverages you get for free

Full replacement cost and no depreciation

We will always return your bike to pre-accident condition or better. So, let’s say that your five-year old front tire with 10,000 miles on it gets damaged in a covered loss. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We’ll give you the full $150 for a brand new one and not the depreciated value. That’s a real $100 difference.

Accessories and custom parts/equipment

You’ll get the exact amount needed to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive & collision to pay for upgrades, customizations, equipment and your accessories, helmets, leathers and gloves. If that’s not good enough, you can purchase up to $30,000 in coverage.

Small accident forgiveness

We won’t increase your premium because of a claim that costs Southwest Federal Insurance Company $500 or less.

Large accident forgiveness

Ride accident free with us for four straight years, and we won’t count your first accident (over $500) against you.**

OEM parts

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. Basically, no matter what parts you have, we’ll always replace them with the same or better parts.

Standard motorcycle insurance coverages

Bodily injury & property damage liability (BI/PD)

Pays for damages to other vehicles, property (fences, signs, etc.) and injuries to other drivers/motorcyclists and their passengers. This will also pay for legal expenses if you’re sued.

Uninsured/underinsured motorist (UM/UIM)

It’s a common question: what happens if someone who doesn’t have insurance hits you? Sometimes, they’ll pay out of pocket for damages. But if they can’t afford it, you may have to pay. This coverage protects you from that and pays for damages to your motorcycle, your injuries/medical bills and any lost wages if you can’t work.

Uninsured/underinsured boater (UB/UIB)

It’s a common question: what happens if another boater who doesn’t have insurance hits your boat and injures you? Sometimes, they’ll pay for damages. But if they don’t have insurance, you may have to pay. This coverage also pays for your injuries/medical bills and lost wages if you can’t work.

Medical payments

You can pick a range of coverage limits to pay for your medical bills (or your passengers’) if you’re in an accident. In some states, this coverage will kick in once your health insurance limits are reached.

Extra coverages you can add

Total loss coverage for a brand new bike

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 TLC 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 $15,000+, we’ll give you $15,000+. That’s a real $5,000 difference. If your motorcycle is no longer eligible for total loss coverage at renewal, your policy will still cover the actual cash value for what it’s currently worth.

Roadside assistance

If you get stuck or your bike is disabled, we’ll tow it to the nearest repair shop for free. You just have to be within 100 feet of the road. You can also add trip interruption to pay for food and lodging expenses up to $500 if you’re away from home (you must have roadside assistance first then add trip interruption).

Carried contents and personal belongings

Covers just about all of your personal belongings that you carry on your bike if they’re damaged, stolen or lost. This can include phones, camping gear, hunting gear or just about any of your other personal property that could fall off your bike.

Disappearing deductible

Every policy term that you don’t have a claim, we’ll take 25% off your deductible, all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.

Enhanced injury protection

If you’re injured and can’t work, we’ll pay you up to $250 each and every week for two straight years. We’ll also add built-in life insurance to this, so if you’re in a fatal accident, we’ll pay your beneficiaries $25,000.