Motorcycle insurance

Motorcycle insurance

 

 

Motorcycle Insurance

Get liability coverage for one bike for $75 per year.

We didn’t become the greatest motorbike insurance provider by providing “the fundamentals” to our customers. We go above and above to provide a wide range of coverages and savings for personalised protection since we know how much you love your bike.

 

ATV Insurance/UTV Insurance

What is covered by UTV and ATV insurance?

The injuries or damages you are responsible for, as well as repairs to your vehicle, may be covered by ATV insurance or UTV insurance. To provide you the greatest level of peace of mind while riding, United precious insurance is among the best ATV insurance providers, providing more than just fundamental liability protection and comprehensive/collision coverage.

SPECIAL COVERAGES

Accessories and unique components

United precious insurance automatically covers your riding gear and any modifications you’ve made to your vehicle for a total of $3,000 as part of your ATV insurance policy. More than $3,000 is needed? For most makes and models, you may tack on extra coverage worth up to $30,000.

Example: Your four-wheeler has a bespoke seat that is damaged in an accident that is covered by insurance. You will receive the seat’s worth from United precious insurance.

Coverage for total losses for new ATVs

We reimburse you the full MSRP if your ATV or UTV is totaled if it is no older than one model year old on a new policy or two model years old on a renewal policy with physical damage coverage. A deductible is necessary.

Example: You recently spent $10,000 on a new ATV, but its current value is only $5,000. If the most recent model costs more than $10,000 and it is totaled in a covered accident, United precious insurance will compensate you for that amount.

Carried goods

Your ATV or UTV serves as your workhorse since you utilize it for plough work and hunting. Your camping supplies, hunting supplies, and any other personal property that might fall out of your car are all covered by carried contents coverage.

Example: A covered ATV accident destroys your brand-new tent. For its replacement, we’ll pay.

 

Common questions about ATV insurance

Is UTV or ATV insurance necessary?

While not all states require insurance for your ATV or UTV, some riding locations, such as public parks and RV trails, may. Additionally, if you’re financing your car, certain lenders might mandate collision and comprehensive insurance. When an object collides with your quad or ATV, collision coverage helps cover the costs of the damage. Comprehensive insurance protects against theft, vandalism, and damage caused by incidents other than crashes, such as flooding or weather-related damage.

Does your home insurance policy provide coverage for your four-wheeler?

ATVs are normally only covered by homeowners insurance for accidents that happen on your land. This implies that you’ll require a different ATV insurance plan for mishaps that take place away from home.

What does UTV/ATV insurance cost?

Your price is based on a variety of factors, including your age, driving record, make, model, and location of your car. To assist in calculating your ATV insurance rate, United precious insurance can provide you with a quad insurance or side-by-side insurance quote.

Is every ATV, UTV, and side-by-side brand insured by United precious insurance?

Nearly all well-known brands and models are covered by our insurance, including but not restricted to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki.

 

Sport Bike Insurance

Get a quote for sport bike insurance online today for as little as $75 per year.

We insure a wide range of motorbikes, including sport bikes, high-performance motorcycles, and street bikes. They are typically built for speed and agility, so before you ride, double check that you have the proper safety precautions on place. Start a quote with United precious insurance immediately, and we’ll try our best to find you dependable coverages and the most affordable sport bike insurance we can.

We insure the following common sport, street, and high-performance bikes:

• Honda CBR
• Kawasaki Ninja
• Suzuki GSX-R, GSX-S
• Yamaha YZF
• Ducati

 

Is insurance for sport bikes necessary?

Yes. Most states mandate that your bike has liability insurance before you may lawfully ride it on public roadways. For our sport bike insurance, we provide the same coverages as we provide for any other motorcycle. You can feel safer on the road by adding extra protection, including as medical expenses and physical damage coverage.

 

How much does insurance for motorcycles cost?

You can insure your sport bike with United precious insurance for as little as $75 a year.

Your fee may change based on the kind of bike you own and the level of coverage you desire. An unskilled rider on a sport bike of a more recent model will probably pay more than an experienced rider on a vehicle of an older model. Because of this, we provide savings for online quotes, combining your policy, and taking motorcycle safety classes.

 

Advice on how to quote sport bike insurance

• Raising your collision or comprehensive deductible can reduce your insurance cost.
• To get the most accurate price, know your bike’s year, make, and model; you’ll need the vehicle identification number to buy an insurance.
• Describe any engine alterations you’ve done to your motorcycle, such as adding a turbo kit or any other improvements.
• Even if your bicycle is in storage, you should get comprehensive insurance to guard against vandalism, fire, and theft.

 

What is covered by sport bike insurance?

Our sport bike insurance coverages cover almost everything related to you and your bike, including accidents (regardless of responsibility), theft, vandalism, custom components, medical expenses, and even roadside assistance. Listed below are some of our most popularly chosen coverages:

 

Liability for bodily harm and property damage (BI/PD)

This is covered by your insurance coverage and pays for any injuries to other riders or drivers as well as damage you cause to other motorcycles, cars, and property.

Complete and collision

If your bike is destroyed due to hitting an animal, weather-related incidents, or other unavoidable circumstances, comprehensive coverage will pay to repair or replace it. If your bike is damaged in an accident, whether or not it was your fault, collision insurance will cover it. Sport motorcycles should be used with caution as they are designed for speed and are more likely to be involved in collisions.

Better injury prevention

Your risk of serious injuries and longer recovery times may increase as you go at higher speeds. Due to an injury, enhanced injury coverage may be able to pay you up to $250 a week for up to two years if you are unable to work.

Total loss protection for a new bicycle

If your sport bike is less than one model year old, total loss coverage may pay the entire retail value of your bike if it is damaged in a covered accident, less the cost of your deductible. Consider purchasing a bike for $15,000 as an illustration. It is only worth roughly $10,000 after depreciation. To purchase a new one, you will receive the whole $15,000 less your deductible.

 

Cruiser Motorcycle Insurance

The most popular kind of motorcycles are cruisers, which have a classic design. Every third motorbike on the road is insured by United precious insurance, and we make it simple, quick, and reasonable to obtain cruiser motorcycle insurance. Get a quote right away to get out on the open road.

Here are a few of the most popular cruiser brands we cover:

• Harley-Davidson
• Indian
• Honda
• Kawasaki
• Suzuki
• Triumph
• Yamaha

What is the price of cruiser insurance?

With prices starting at at $75 per year, United precious insurance can get you driving right away. The size and design of your cruiser, your location, the type of coverage you choose, and other factors could affect your rate. To assist you receive the best cruiser insurance at a cost you can afford, we provide a wide variety of discounts.

 

Advice for getting your cruiser’s insurance quote

• For a more accurate price, be aware of the make, model, and year of your cruiser; you’ll need this information to buy an insurance.
• Include in your quote any potential drivers who might be riding your bike.
• Describe any improvements or engine changes you made to your motorcycle.
• You might be able to receive a discount if you enrol in a motorcycle training course.

 

What is covered by cruiser motorcycle insurance?

To protect you and your bike, United precious insurance provides a wide range of coverages. Below are some of the most well-liked cruiser coverages.

 

Complete and collision

Comprehensive coverage will pay to repair or replace your bike if it is damaged due to an uncontrollable circumstance, such as theft or collision with an animal. Regardless of who is at fault, collision will cover any damage to your cruiser that results from a collision with another car or object.

 

Accoutrements and unique components/equipment

Since it’s customary for riders to modify their cruisers, we provide a specific accessory coverage that automatically comes with comprehensive and collision coverage and covers up to $3,000 in customised parts. Up to $30,000 in additional accessory coverage can be purchased.

 

Full value for replacement parts

If your bicycle is damaged in a collision, we’ll fix it so it performs as well as it did before the collision. For instance, even though you spent $200 on your front tyre, its depreciated worth might be $100. We’ll cover the cost of a brand-new tyre if it is damaged in an accident that is covered (similar model).

 

Total loss protection

You will receive the entire manufacturer’s suggested retail price back if your bicycle is totalled in a covered loss and is less than one model year old. We will reimburse you for the real monetary worth of your cruiser if your bike model is older than 3 years and is totaled.

 

Scooter and Moped Insurance

Today, you can insure your moped or scooter for as little as $75 annually* Read the disclosure document for this claim.

The same way you would insurance a motorbike, you should insure your moped or scooter as well because they are compact, lightweight vehicles that are propelled by either pedalling or a tiny gasoline engine. Whether you use your bike for everyday commuting or casual cruising, United precious insurance strives to make the process of obtaining moped insurance as straightforward as possible. In fact, from 50cc up to 500cc, we’ll insure practically every type and engine size. You can receive coverage right away by simply requesting a scooter or moped insurance quote online.

 

We frequently insure the following scooter and moped models:

• Vespas
• Honda Forza, Ruckus and Metropolitan
• Yamaha Zuma
• Suzuki Burgman
• Vintage and classic models

For a scooter or moped, do you require insurance?

If the engine is 50cc or more, liability insurance is mandated by law. In the event that you damage property or hurt someone while riding, you will be covered to the full extent of your policy’s coverage. You might be required to carry physical damage coverage by your lender if you’re financing your bicycle.

For motors smaller than 50 cc or top speeds lower than 30 mph, several states might not require scooter or moped insurance. Verify the specifications of your bike and inquire about any requirements with your state’s government.

 

What is the cost of scooter and moped insurance?

With United precious insurance, you can purchase affordable moped and scooter insurance for as little as $75 per year. Rates are based on a variety of factors, including your age, scooter type, region, and history of driving and riding. Request a quote online to see how our discounts can help you save money on your scooter and moped insurance.

 

What advantages do a scooter or moped offer?

When compared to a larger motorcycle or car, riding a scooter or moped offers greater fuel efficiency due to the smaller engine and less load. Not only will you spend less on gas, but a scooter or moped’s parking permit will likely be less expensive than a car’s. Additionally, the small stature can be very useful when negotiating crowded spaces including college campuses or large cities.

 

How do a moped and a scooter vary from one another?

Although scooters and mopeds are similar, there are a few differences that are worth noting. Scooters often have a step-through construction with a platform for the driver’s feet, whereas mopeds are recognised for having pedals and looking like bicycles. Both are two-wheeled vehicles, but scooters are regarded as being more potent. Mopeds often have smaller engines, which have a lower power capability (49cc and under). Scooters may go faster and have bigger motors (50cc to 150cc).

 

How to quote insurance for scooters and mopeds?

A platform for your feet and a vehicle that you may stand on are not considered scooters or mopeds and cannot be insured by United precious insurance. In order to receive the most accurate price, be sure to know the year, make, and model of your car if you don’t know the vehicle identification number. Your insurance may be cheaper if you finish a motorbike safety course. Make sure to include all potential moped riders in your quote.

coverages for motorcycle and scooter insurance

The same coverages that United precious insurance offers for motorcycle insurance will protect you and your scooter or moped. A couple of the major coverages are listed below:

 

Liability for property damage and bodily harm (BI/PD)

Liability covers injuries you cause to others as well as damages to automobiles, motorbikes, vehicles, and property and is automatically included in your scooter or moped insurance policy (signs, fences, etc.).

 

Encompassing and collision

Defend your moped or scooter against harm. A comprehensive scooter insurance policy will cover theft, vandalism, hitting an animal, and other uncontrollable events. Even if you are at fault, collision will pay to fix or replace your bike if it is damaged in a collision with another object or vehicle.

 

Transported goods and contents

In the case of a covered loss, coverage for everything of your personal property, including your phone

 

Custom Motorcycle Insurance

Today, you can insure your motorcycle for as little as $75 per year.

Motorcycles made to order come in a variety of sizes and shapes. Custom bikes, whether they be chopper or café racers, are genuinely one-of-a-kind. They can be bought pre-built, specially made by a store, or constructed by you. When you request a quote today, you can access all of our motorcycle insurance coverages if your bike is included in the NADA Appraisal Guide.

 

Most bicycle brands are covered by our coverage:

• Honda
• Harley-Davidson
• Yamaha
• Kawasaki
• Indian
• BMW
• Suzuki
• Aprilia

Do you require special insurance for motorcycles?

Liability insurance is typically necessary for a vehicle to be legal to drive. At United precious insurance, we’ll make sure your policy complies with all applicable laws in your state.

 

How much does insurance for custom motorcycles cost?

You may acquire a policy right now for as little as $75/year with a tonne of discounts and fast savings for online bespoke motorcycle insurance quotes.

 

Guidelines for custom bike insurance quotes

Your premium can be reduced by raising your deductible. If you finish a motorcycle training programme, you can be eligible for a discount. When you combine your motorbike insurance with your vehicle, house, renters, RV, or boat insurance, you can receive a multi-policy discount. Share any modifications you’ve made to your motorcycle, such as a turbocharger or nitrous oxide kit.

 

What is covered by personal motorbike insurance?

The same coverages that United precious insurance provides for conventional motorcycles are also used to protect you and your unique motorcycle. A sample of our coverage is provided below:

 

Liability for personal harm and property damage

This is covered by your policy and compensates for any injuries to other riders as well as any damage to other motorcycles, property (signs, fences, etc.), and other items. In the event that you are ever sued, it may also assist with legal fees.

 

Collision and comprehensive

Comprehensive covers damage to your bike caused by floods, collisions with animals, and other unavoidable circumstances. Vandalism and theft are also covered under comprehensive. No of who was at fault, Collison will pay to fix or replace your custom bike if it is destroyed in an accident.

 

Original Equipment Manufacturer components

We always utilise the same parts or better to repair the damages, regardless of whether you installed Original Equipment Manufacturer (OEM) or custom parts on your bike.

 

Accoutrements and unique components/equipment

On your custom motorbike that is under 25 years old, our comprehensive and collision coverage includes $3,000 in accessory coverage. If you feel that is insufficient, you may add up to an extra $30,000 in coverage. Additionally, none of your bespoke parts are ever depreciated by our accessory coverage. However, the NADA Appraisal Guide must mention your bike with resale values.

 

Vintage and Antique Motorcycle

For as little as $75 a year, you can insure your vintage or antique motorcycle today.

You may easily insure your motorcycle with any other United precious insurance motorcycle insurance policy, whether you ride a classic bike or motorbike, vintage, antique, historic, or collector model. It’s as simple as getting an online estimate for classic motorcycle insurance and telling us the year, make, and model of your vintage or antique motorcycle!

 

Do you need insurance for your vintage motorcycles?

Liability insurance is a requirement in the majority of states and is a part of every vintage and antique motorbike insurance policy from United precious insurance. Additionally, your vintage or classic bike may be very valuable, therefore you should make sure you ride protected with physical damage coverages.

 

How much does insurance for vintage motorcycles cost?

For as little as $75 a year, you may secure your vintage or antique bicycle. Plus, when you get an estimate online, you can quickly save money thanks to our numerous offers.

Your age, location, riding history, and type of motorcycle will all have an impact on how much your motorcycle insurance will cost.

 

Advice on how to quote insurance for vintage motorcycles

• If you intend to ride a motorcycle, most states will need you to have liability insurance on your policy.
• To begin a policy, you’ll need to know your bike’s vehicle identification number (VIN), but even just knowing its year, make, and model will guarantee an accurate estimate.
• A motorbike safety course could help you reduce your premium.
• For the most accurate quote, make sure to include all potential riders for your vintage motorcycle.

 

What is covered by insurance for vintage motorcycles?

United precious insurance provides you and your bike with the best protection available in the industry. Listed below are a few of the motorcycle insurance protections we provide to safeguard your classic motorcycle:

 

Complete and collision

Comprehensive insurance covers damage to your bike caused by uncontrollable occurrences like theft and vandalism. Regardless of fault, collision coverage will pay to fix or replace your bike if you are in an accident.

 

OEM (original equipment manufacturer) components availability

If you previously used OEM parts to repair your vintage bike, United precious insurance will pay for it as well. If your parts were modified, we’ll replace them in the same way.

 

Accoutrements and unique components/equipment

You must invest money when you make several modifications and additions to your vehicle. Because of this, if your policy includes comprehensive and collision coverage, we will provide $3,000 in accessory coverage at no additional cost to you. If necessary, you can pay more to extend your coverage up to $30,000 total.

 

 

 

 

 

 

 

Frequently asked questions regarding motorcycle insurance