Frequently Asked Questions

  1. Can I get coverage for only 3 to 4 months for the riding season?
  2. How fast can I get a policy/ID card?
  3. What is the minimum down payment I can make to start a policy?
  4. Do you offer a discount for completing the motorcycle safety course?
  5. Can I be insured if I don’t currently have a motorcycle license and/or permit?
  6. Do you offer guest passenger coverage?
  7. Can I let my friends ride my motorcycle?
  8. If I cancel my policy early, will I get a refund?
  9. Where do I report a claim?
  10. Does my policy cover me if I rent a motorcycle in another state?
Can I get coverage for only 3 to 4 months for the riding season?
At this time, we can only offer 12 month policies for motorcycle insurance due to PennDOT’s requirement that insurance must be maintained all year round on all vehicles with current registration and an active license plate. Some of our carriers include a winter discount as the riding season for Pennsylvania only lasts a few months.Back to Top
How fast can I get a policy/ID card?
Immediate coverage is available with our agency upon receipt of payment and signed application. Applications can be faxed and payment can be made via credit/debit card for instant coverage. We can provide immediate proof of insurance via email or fax once policy is issued.Back to Top
What is the minimum down payment I can make to start a policy?
Pay options are available with all of our carriers if the premium is over a certain amount.Back to Top
Do you offer a discount for completing the motorcycle safety course?
All of our companies offer a discount if you have completed the motorcycle safety course within the past 36 months. A copy of your certificate is required to verify discount.Back to Top
Can I be insured if I don’t currently have a motorcycle license and/or permit?
Yes, we have carriers that do not require that you possess a motorcycle endorsement as long as you have a current, valid U.S. driver’s license.Back to Top
Do you offer guest passenger coverage?
Yes, all of our carriers include guest passenger coverage on their policies. Your passenger is protected up to the limits of liability coverage on your policy.Back to Top
Can I let my friends ride my motorcycle?
Most of our carriers allow permissive use of your motorcycle as long as the operator is not a current member of your household, is properly licensed, and has your permission to operate the motorcycle.Back to Top
If I cancel my policy early, will I get a refund?
If you cancel, you are entitled to a refund based on the company’s guidelines and minimum premium requirements.Back to Top
Where do I report a claim?
Our office will happily assist you in the event of an accident or loss and/or provide you with the appropriate contact information for your specific carrier.Back to Top
Does my policy cover me if I rent a motorcycle in another state?
At this time, only the motorcycle(s) listed on your policy are covered. If you decide to rent a motorcycle, you will need to purchase the rental company’s insurance.Back to Top

Submit Your Own Questions

Do you have questions regarding obtaining insurance for your motorcycle in the Commonwealth of Pennsylvania? Call us at (800) 825-2925 and we’ll be glad to help. You can also ask your questions on Facebook for a quick response!