WHAT WE INSURE
Motorcycle Insurance Coverage Options - New Jersey

ATTENTION: READ THE IMPORTANT STATEMENT AT THE END OF THIS PAGE*

• Liability Coverage
• Quality-Plus Package
• Accessory Coverage
• Roadside Assistance Coverage
• Discounts

Rider insures a wide range of motorcycles with insurance coverage options to satisfy the needs of our customers in New Jersey. Motorcycles are classified as either regular motorcycles, or sport and high performance motorcycles. All of our insurance policies insure individuals for recreational use only.

GENERAL MOTORCYCLE INSURANCE COVERAGE OPTIONS

All of our policies include the following:

Underinsured/Uninsured Motorist Coverage
All policies, excluding moped policies, include at no additional cost uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy. This coverage allows you to obtain payment for damages to your vehicle or injuries by an uninsured or underinsured motorist who is at fault in an accident.

Guest Passenger Liability
All policies include at no additional cost guest passenger liability insurance. The limits of coverage for your passenger are the same as your bodily injury liability limits.

Pedestrian Personal Injury Protection (PIP)
Your policy of insurance provides Personal Injury Protection (PIP) according to the laws of each state. In New Jersey, PIP benefits apply only to pedestrians when struck by a motorcycle. PIP pays the cost of treatment up to $250,000 for the pedestrian from hospitals, doctors, and other medical providers.

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LIABILITY COVERAGE

The State of New Jersey requires that all motorcycle operators carry minimum liability coverage. The State of New Jersey minimum requirements are $15,000 bodily injury, $30,000 each accident, and $5,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options above the standard liability limits.To Be Eligible for increase limits of liability, you must be 21 or older when policy starts.

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QUALITY-PLUS PACKAGE

This package includes fire, theft, comprehensive, and collision coverage with the liability limits of your choice. Rider will pay up to $30,000 for any damages to or theft of an insured motorcycle, subject to your deductible and policy exclusions.

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ACCESSORY COVERAGE

Up to $8,000 in accessory coverage is included on all policies with the quality-plus package insuring a non-sport bike or non-high performance bike over 551ccs or over, at no additional cost. This includes customized parts and equipment, helmet coverage, safety apparel and trip interruption.

The coverage is in excess of the up to $30,000 limit on the quality-plus package and includes customized parts, paint, and equipment, one-passenger sidecar, helmet coverage, safety apparel, and trip interruption.

Please read the Rider Accessory Detail Package Description.

Note: The Rider Accessory Package does not apply to any bike classified as a sport or high performance motorcycle.

ROADSIDE ASSISTANCE -optional coverage for a $25.00 fee per policy

Roadside Assistance coverage provides towing in the event your motorcycle is disabled. This coverage is available 24/7 and includes the following at no cost to you:

• Towing up to 35 miles
• Mechanical or electrical breakdown
• Battery Jumpstart
• Flat tire towing (up to 35 miles)
• Lockout
• Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

DISCOUNTS

Rider Insurance offers three discounts and they are the following:

Multi Bike Discount:
A 10% discount applies to all policyholders who have more than one motorcycle on their policy at the same time.

Transfer Discount:
A 10 % discount is offered on non-sport bikes with no more than a 10-day lapse in coverage. The policyholders must be insured in the state of New Jersey in order for the discount to apply. This is a one-time discount when first insuring with Rider Insurance.

Preferred Operator Discount:
A 25% discount is offered to any applicant, age 26 and over with a clean driving record, who is insuring a non-sport / non-high performance motorcycle, 751cc and over, for the Quality-Plus Package. A clean driving record is now defined as no moving violations that carry motor vehicle points and are not drug or alcohol related and no at fault accidents in the past three years.

Renewal Discount:
1st Year - 5%
2nd Year - Additional 5%
3rd Year - Additional 10%
This discount is automatically calculated at the time of renewal. It only applies to policies maintaining continuous coverage.

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*The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.