Frequently Asked Questions
A basic motorcycle policy helps pay for repairs and other expenses related to damage and injury resulting from an accident you may or may not have caused. Optional additional coverage can be added for such items as roadside assistance, uninsured motorist protection, trip interruption, custom parts and equipment, and more.
Safeco insures a wide variety of bike sizes and styles. We love to insure cruisers, like the Harley-Davidson Fat Bob or the Indian Chief. We also love tour and tour-sport bikes like the Honda Goldwing and the Kawasaki Voyager. We insure sport and super-sport bikes like the Honda CBR and the Suzuki GSXR. We even insure dual, off-road and dirt bikes, scooters, mopeds, and select customer, homemade and kit bikes. We can also insure snowmobiles, ATVs, utility terrain vehicles, like the Polaris RZR, golf carts, and low-speed vehicles.
No. Safeco does not cover motorcycles used for racing or speed contests or those with nitrous oxide kits installed.
Yes. We offer customer discounts for completing an approved motorcycle safety course, joining a motorcycle club, lifetime riding experience, owning your home, and storing your bike in a garage. And that’s just the short list. For a complete list of discounts and savings options talk with your local independent agent.
Yes! There are many benefits to joining and participating in a motorcycle association. Plus, Safeco will reward you with a discount for maintaining active membership in one of 24 approved riding clubs across the U.S.
You have enough to pay attention to while driving. Being in an accident with an uninsured or underinsured (UM/UIM) driver shouldn’t be one of them. That’s why Safeco offers protection against the cost of injuries or damage you may experience as a result of an accident caused by an UM/UIM motorist. Depending on which state you live in, you may already be required to carry UM/UIM coverage, so talk with your local independent agent to be sure.
Absolutely! We were all new riders once. Talk to your local independent Safeco agent about the value of a Safeco motorcycle policy. We also recommend taking a motorcycle safety course. It will teach you fundamental skills and you'll also receive a 10% discount on your Safeco premium.
We know experienced riders are generally safer on the road, so Safeco offers big discounts for those who have put in the road time. We even offer a discount if you've been riding the same bike for a while.
Of course! We even offer a discount for having multiple bikes (or off-road vehicles like a snowmobile or ATV) on the same policy.
We insure vehicles that are manufactured as trikes, such as the Tri Glide. Safeco also insures trike conversions if the kit was manufactured by Lehman Trikes, Motor Trikes, The Trike Shop, California Sidecar, D.F.T. Tri Wing Industries, Hannigan, or Champion Sidecar. (The conversion kit will be covered under Custom Parts & Equipment.) We automatically include $3,000 of custom equipment coverage, but you can increase it to $20,000 of coverage per bike if you prefer.
Safeco will be there for you in the event of a breakdown. We offer two levels of roadside coverage. If you tend to stick closer to home, roadside assistance will cover your towing expense coverage and labor costs to help fix an electrical or mechanical breakdown, dead battery, flat tire, or lack of essential fluids. If you like to take long road trips, we recommend trip interruption coverage, which provides reimbursement for expenses for lodging, meals, and transportation costs if your bike is disabled more than 100 miles from home.
Safeco welcomes a broad range of motorcycle customers and can typically insure someone with a few blemishes on his or her driving record. However, we currently don’t provide motorcycle insurance to customers who require a financial responsibility filing (SR-22).
We know how much you love your bike and customizing is what really makes it yours. That's what Safeco’s Custom Parts & Equipment coverage is for. This option covers all the after-market updates to your bike, including things like chrome, custom paint, saddle bags, swing arms, side cars, GPS systems, and more. We automatically include $3,000 of custom parts and equipment coverage when you purchase comprehensive and/or collision coverage for your bike. If your bike has more than $3,000 of custom parts or equipment, you can add up to $20,000 of coverage (per bike) for an additional premium. All custom parts and equipment will be repaired or replaced without an adjustment for depreciation.
Safeco currently does not insure motorcycles with front fork extension or a handle bar extension greater than six inches over the original manufacturer's length.
Yes. Every Safeco motorcycle policy that includes comprehensive and/or collision coverage automatically includes OEM parts coverage. Rest assured: if your motorcycle is damaged we'll use an original part to repair it.
At Safeco, we take safety seriously — and we're glad you do, too. That's why every policy, even if you have liability-only coverage, includes $1,000 of coverage per rider for safety apparel. This covers your helmet, riding jacket, leathers, boots, gloves, and even riding goggles.
Absolutely! We know that charity rides are important to many enthusiasts.
Your Safeco motorcycle policy covers you anywhere you ride in the United States and Canada. Because the insurance laws in Mexico are different, however, you’ll need to obtain insurance coverage there if you're taking a ride south of the U.S. border.