Motorcycle Insurance

It’s about the open road, leather and chrome, bugs in your teeth. When you’re out riding, the last thing you want to worry about is whether you have the right insurance policy.

We get it.

That’s why we offer a specialized policy designed for you people like you and your motorcycle. Whether you have a cruiser, a sport bike or a trike conversion, chances are we have the policy for you. We cover things like safety apparel…helmets, leathers, gloves, optional equipment like custom paint jobs, side cars, after-market parts and accessories, even towing and roadside assistance.

Important Coverages

For real peace of mind, you need a policy that provides a wide range of coverages. These should include:

• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage
• Optional Equipment Coverage

Optional Coverages

For extra coverage on the open road, and because not everyone’s needs are the same, a Foremost policy offers a variety of options, such as:

• Increased limits on Liability
• Uninsured/Underinsured Motorist Coverage
• Replacement Cost Total Loss Settlement Coverage
• Increased limits on Optional Equipment Coverage
• Towing and Roadside Assistance with Trip Interruption Coverage
• Coverage on transport trailers valued up to $7,500

Broad Eligibility

It’s truly amazing how many different types of motorcycles you see on the road today. Powerful American iron. High-class imports. High-performance sport bikes. Eye-catching trikes. Custom cruisers. Fully-restored classics. Foremost will cover all of these – and give you the important coverages you may not be able to find elsewhere.

Annual Policies

You can enjoy year-round coverage with no lay-up period, so if there’s a beautiful winter day when the road is calling to. No extra phone calls, no hassles!

Replacement Cost Total Loss Settlement

This coverage provides Replacement Cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This coverage applies when the insured purchases a new motorcycle from an authorized dealer and insures it with Foremost within 30 days of purchase. Refer to the endorsement for details. This coverage does not apply to Custom or Classic Motorcycles.

Know the law.

Check with the area Department of Motor Vehicles to find out what the laws say about operating your vehicle, required safety gear and where you will be riding.

Be prepared.

Make sure you and your bike are properly licensed and insured. And don’t take unnecessary risks with unfavorable road conditions such as wet pavement. Oils from other vehicles and moisture make pavement very slick. Read and carry your owner’s manual along with a small tool kit when you’re riding.

Gear up.

Always be sure you and your passengers wear protective gear. A helmet, eye protection, a sturdy jacket, long pants, boots and gloves are your best bet for optimum protection. Review proper riding techniques with your passengers.

Stand out.

Brightly colored clothing can help make other drivers aware of you. While you’re riding, use your headlight, avoid other vehicles’ blind spots, drive carefully and be prepared to use your horn.

Distance yourself.

Always leave enough space between you and the vehicle in front of you. That might be your only way out if the car behind you fails to stop in time. When turning, start on the outside of the curve to give yourself additional visibility and increase your safe space.

Position yourself.

Make the left wheel track of a 4-wheeled vehicle your main lane position. However, when following another vehicle or coming to a stop, move to the right so you are more conspicuous and have space to exit if you need it.

Ride defensively.

Most collisions occur because the driver of the car didn’t see the motorcycle. That’s why it pays to scan around you – in front,   to the side and behind. Note what’s around you and be prepared to react. Watch for cars waiting to turn left across your path at intersections.

Be Sharp.

Ride only when your senses are sharp. Never do drugs or drink and then drive.
Up to 45% of all fatal motorcycle accidents involve alcohol. Always take time to get enough rest when out on long trips.

Check it out.

Make sure your bike is running properly before riding. Always check mirrors, tire pressure, fuel level, gauges and suspension. Follow the recommended service schedule for your bike, and be sure to have all repairs made by an authorized service provider.

Practice.

Find a safe place or low traffic area to practice braking, turning and improving your reaction time, especially if you’re a new rider.  Practice helps to hone your skills and make you a better – and safer – rider.

Learn more.

Improve your riding skills by taking a beginner or experienced Motorcycle Rider Course from a training center recognized by the Motorcycle Safety Foundation