Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your motorcycle by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as protection for replacement cost, safety apparel, and trip interruption, you need the protection of a specialty policy.


The Types of Bikes We Insure

At Atlas, we cover all kinds of bikes, including:

• Custom and Classic motorcycles
• Cruisers
• Touring motorcycles
• Dual Purpose
• Mopeds
• Scooters
• Standard street driven motorcycles
• SuperSport Motorcycles
• Trikes
• ATV's
• Dirt Bikes
• Four- and six-wheeled Utility Vehicles

Motorcycle Coverages

• Your Choice of Protection. We offer two types of policies: Liability only or a combination Liability/Comprehensive/Collision policy. Select the one that's right for your bike and your situation.
  
  
• Replacement Cost Coverage. Don't suffer from costly depreciation. This optional protection, available on select cycles, pays to policy limits to replace a loss to your cycle. If your bike is stolen or damaged beyond repair, and Replacement Cost coverage is part of your policy, we will pay to replace the lost unit with another of like kind and quality.
  
  
• Accessory Coverage. We include $3,000 in coverage for all permanently-attached accessory items, including non-manufacturer accessories. Need more coverage? Just tell your agent.
  
  
• Roadside Assistance Coverage through Motorcycle Touring Service (MTS). Add this optional coverage to your policy, and your bike will either be fixed at the scene or taken to the nearest repair facility. Designed specifically for cycles, this roadside assistance plan doesn't require that you pay up front and wait for a reimbursement check. All you do is sign and ride!
  
  
• Helmet Collision. If your headgear is damaged due to a covered loss, we'll pay up to $400 per helmet, $800 per occurrence.
  
  
• Safety Apparel Coverage. Optional protection for approved cycle clothing and apparel, when damaged in an accident.
  
  
• Travel Loss Coverage. This optional coverage provides protection to policy limits for:
  • Trip Interuption Coverage. If your cycle breaks down or is damaged when you're 100 miles or more from home, we cover meals and lodging expenses, as well as alternate transportation home.
  • Tow Coverage. We pay to policy limits for your tow.

Handy Options, Benefits and Extras

• Premium Discounts. We offer many discounts, ranging from completing a motorcycle safety course to insuring two or more bikes on the same policy. We even give a discount if you're claim-free and renew your policy for another term with us. Check with your agent for more information.
  
  
• Multiple Deductible Options. We offer many deductible options, which vary depending on the type of cycle you're insuring with us. Ask your agent for details.
  
  
• Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!
  
  
• Various Payment Options. To make paying easier, we accept checks, Visa®, MasterCard®, American Express®, Discover®, and debit cards. We are also able to offer some of our customers installment payment options. For more information on our payment options, click here.
  
  The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.


To Obtain a Quote

If you would like a quote via e-mail or would like one of our agents to call you at a specific time, click here and complete the requested information. If you would like to speak to an agent directly, call 1-800-643-7770 between the hours of 8 A.M. - 7 P.M. EST and we will be happy to assist you.