motorcycle handle bars and light

Rider benefits

Rider’s mission is to understand the unique needs of the motorcycle and off-road community and provide them with the specialized insurance benefits, coverage and service necessary, while treating each customer with respect and delivering an exceptional customer experience allowing riders to enjoy the freedom of the open road.

Liability Coverage and Limit Options

Rider offers a wide variety of liability options. Whether you are looking to just meet the minimum state requirements or carry top-of-the-line coverage, Rider’s got you covered.

Medical Payments Coverage

This optional coverage pays medical bills for you when involved in a motor vehicle accident and provides coverage to passengers of the insured motorcycle when in an accident. The coverage is provided regardless of fault.

Replacement Cost Coverage

Payment up to $45,000 to replace an insured motorcycle purchased new and deemed a total loss within one calendar year from the purchase date, as long as collision and/or comprehensive coverage applies to the insured motorcycle at the time of loss.2

Roadside Assistance

Rider offers 24/7 roadside assistance if your motorcycle is disabled. Coverage includes flatbed towing up to 35 miles, battery jumpstart, mechanical or electrical breakdown assistance, lockout service, emergency fluid delivery (cost of fluids not included), concierge service and an information hotline. Not available for ATVs/UTVs or off-road motorcycle use.1

accessories coverage

Comprehensive and collision packages may cover many of those extras that make riding more enjoyable and safe. This includes up to $8,000 in customized parts and equipment, chrome, and custom paint (up to $3,000).3 It also provides coverage for damage to your helmet and/or safety apparel.3

Helmet coverage

Covers safety helmets five years old or less (Department of Transportation approved) damaged as a result of a covered collision loss, up to $500 per occurrence and is subject to the per motorcycle collision deductible.2

Trailer Coverage

For policies with comprehensive coverage, trailer coverage protects from damage caused by an insured peril to a trailer that can be towed by a motorcycle regardless of whether it is attached, and applies in excess above any other available coverage. This covers the trailer itself (excluding accessories and customization), not items within it.2

Trip Interruption Coverage

Up to $600 payment for meals and lodging for an interrupted trip due to a covered collision or comprehensive loss making the insured motorcycle unusable. The loss must occur more than 100 miles from your residence.2

Carried Property Coverage

Provides up to $1,000 to repair or replace personal property damaged as a result of a covered collision or comprehensive loss to an insured motorcycle.2
1Roadside assistance is provided by Quest Towing Services (QTS). Cost of fluids will be responsibility of policyholder. At no charge to the policyholder, a tow will be provided to any qualified repair facility of policyholder’s choice within a 35 mile radius of the motorcycle’s disablement location. If the policyholder requests to be towed to a destination beyond 35 miles, the policyholder will be responsible to pay the tower at the time of tow the difference in cost from the nearest qualified repair facility within 35 miles and the tow destination they requested. Winching (usually defined as 25 to 30 feet from road depending on tower’s equipment) will be included in the Roadside Services provided for passenger motorcycles. Roadside assistance service for motorcycles does not include services for motorcycles used off-road, trailers used to haul motorcycles, or any service that is reasonably non-accessible to towers. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting QTS. Policyholder is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services. A maximum amount of $150 will be reimbursed if the service provider is unable to provide assistance due to specific highway towing restrictions. A copy of the receipt is required.
2Available to customers who have purchased comprehensive or collision coverage. Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.
3Certain restrictions apply.

Rider Insurance is powered by Plymouth Rock

The alliance between Rider Insurance and Plymouth Rock Assurance has made Rider a stronger, more competitive force. It gives you one place for all your insurance needs in personal and commercial auto, homeowners and umbrella insurance, as well as motorcycle.