Total Loss Coverage for A Brand-New Bike
This coverage is great if you purchased your bike new. In the event that your bike is totaled, you are paid the full manufacturer’s suggested retail price for a brand-new bike, minus the deductible on your policy.
Under this coverage, tow expenses are nothing to worry about. In the event you get stuck or your bike is disabled, your bike can be towed to the nearest repair shop for free. Some carriers may allow additional add-ons such as trip interruption. This add-on helps you pay for food and lodging expenses up to $500 if you’re away from home when the breakdown occurs. Typically, you must have roadside assistance first and then add trip interruption, if available by the carrier of your choice.
Carried Contents and Personal Belongings
Sometimes you have more than just your helmet and riding gear when on your bike. Carried Contents coverage protects just about all of your personal belongings from damage, theft, or from being lost. This can include your cell phone, backpack, laptop, or just about any of your other personal property that could fall off your bike.
Enhanced Injury Protection
This is additional coverage to Medical Payments coverage. Under Enhanced Injury Protection, if you are injured and can’t work, a financial benefit is paid for an allotted period of time.