Liability Protection
May help with certain covered costs if you are legally responsible for injury to another person or damage to someone else's property, subject to policy limits.
Motorcycle Insurance
Built for the ride.
Your motorcycle, riding habits and protection needs are different from an everyday passenger vehicle. Trinity helps you discuss motorcycle insurance around the bike you own and the way you use it.
Policy availability varies by rider,
motorcycle, carrier and location.
Motorcycle Protection
The bike. The rider. The road.
Build The Rider Profile
Start with how the motorcycle is actually used.
01
Motorcycle
Type, year, model and value.
02
Rider
Rider information and history.
03
Usage
Commute, leisure or touring.
04
Equipment
Accessories and modifications.
Motorcycle Protection
A motorcycle policy starts with the rider.
Two riders can own similar bikes and still have very different insurance needs.
Motorcycle value, riding frequency, passengers, equipment, storage, location, selected limits and deductibles can all form part of the insurance conversation.
Trinity can help you organize those details and review policy options available through its insurance relationships.
Built Around You
Different bikes call for different questions.
Motorcycle Coverage
Protection for more than the motorcycle.
Available options depend on the insurer, jurisdiction and policy. These are common areas that may be discussed when arranging motorcycle insurance.
Collision
May help with covered motorcycle damage resulting from a collision, subject to applicable deductibles and policy terms.
Non-Collision Physical Damage
Certain policies may cover specified losses involving theft, vandalism, weather or other covered causes outside a collision.
Uninsured & Underinsured Motorist
Depending on the policy and jurisdiction, protection may apply when another responsible driver has no insurance or too little insurance.
Medical-Related Coverage
Medical payments or other accident-related coverage may be available depending on location, policy structure and insurer.
Accessories & Equipment
Some insurers may provide optional protection for qualifying accessories, equipment or custom parts.
The Motorcycle You Ride
Different bikes can mean different insurance details.
Motorcycle type, value, equipment and use can affect the information needed when obtaining an insurance quote.
Cruiser Motorcycles
Built for the road.
When quoting a cruiser, insurers may request details about the motorcycle, rider, mileage, equipment and intended use.
- Motorcycle year, make and model.
- Accessories or modifications.
- Riding frequency and storage.
Sport Motorcycles
Performance-focused riding.
Motorcycle design, engine characteristics, rider information, use and selected protection may be considered during quoting and underwriting.
- Bike specifications and value.
- Rider and driving information.
- Selected limits and deductibles.
Touring Motorcycles
Made for longer rides.
Touring motorcycles may involve additional equipment, storage or accessories that should be discussed accurately during the quote.
- Touring equipment and accessories.
- Annual use and mileage.
- Passenger and riding patterns.
Standard Motorcycles
Everyday motorcycle use.
Standard motorcycles can still have different insurance needs based on the rider, use, bike value and selected protection.
- Personal or commuting use.
- Motorcycle value and condition.
- Rider profile and policy options.
Motorcycle Quotes
What may affect your quote?
Insurers use their own underwriting and rating rules. The details considered can vary by carrier and jurisdiction.
Motorcycle details
Year, make, model, value and other information about the bike.
Rider information
Rider-related details may be considered where permitted.
Riding history
Driving or riding history may form part of underwriting and rating.
Motorcycle use
Leisure, commuting and other usage details can matter.
Location & storage
Where the motorcycle is kept and used may be part of the quote.
Policy selections
Limits, deductibles and optional protection affect the policy.
Motorcycle Equipment
Tell the insurer about qualifying accessories and custom equipment.
More Than The Bike
Accessories can change what needs to be discussed.
Motorcycles are often personalized. Added equipment, custom parts and accessories may not automatically receive the same treatment under every policy.
01
Custom equipment
Discuss modifications or installed parts with the insurer.
02
Motorcycle accessories
Ask how qualifying accessories are treated under the policy.
03
Installed upgrades
Report material changes accurately during quoting.
04
Policy limits
Verify applicable limits, exclusions and deductibles.
After An Incident
Know the path before you need it.
Claim procedures differ by insurer and event. The insurance carrier determines coverage under the applicable policy terms.
Put safety first.
Seek emergency assistance where needed and follow applicable local requirements.
Record available details.
Keep information that may help when reporting the incident.
Notify the carrier.
Report the claim using the insurer's required process.
Follow claim instructions.
Claim payment depends on policy terms and the carrier's evaluation.
Insurers may request details about the motorcycle, rider, location, riding use, history, equipment and the protection being requested. Requirements vary.
Some insurers may provide protection for qualifying accessories, custom equipment or installed parts. Limits, conditions and exclusions vary by policy.
Motorcycle characteristics can be among the information used during underwriting and rating. Each insurer uses its own permitted criteria.
No. Insurance requirements, available protection and policy rules can vary by jurisdiction.
Trinity can discuss your motorcycle insurance needs and review policy options available through the agency based on carrier requirements and eligibility.
Motorcycle insurance availability, premiums, deductibles, limits, equipment protection, eligibility and underwriting requirements vary by policy, carrier, rider, motorcycle and location. Insurance is subject to the terms, conditions, exclusions and limits of the applicable policy.
Motorcycle Insurance
Protect the bike. Protect the ride.
Tell Trinity what you ride, how you use it and the protection you want to discuss. Start your motorcycle insurance conversation.
Get A Motorcycle Quote