Foremost knows bikers, and we understand how important your ride is to you. That's why our motorcycle insurance coverages are designed by people who know about riding the open road and why our claims are handled by adjusters who deal specifically with motorcycles! We understand motorcycles and the people that ride them, because you and your bike deserve it.
The Foremost Choice Motorcycle Program means more choices for more people. From the saver package to the custom package, you'll be able to choose the coverage you want for your specific ride. The program covers all kinds of motorcycles, including:
- Cruiser, Sport and Touring
- Scooters and Trikes
- Vintage and Customs
- Low-Speed Vehicles
Perfect for the price-conscious shopper who wants basic coverage at an affordable cost.
Includes $500 Helmet and Safety Apparel coverage, First Accident Forgiveness, available Optional Equipment (ACV) and optional Towing and Roadside Assistance.
Designed for the customer trying to balance both coverage and price.
First Accident Forgiveness, Total Loss Settlement (two yrs.), $3,500 Optional Equipment, $1,500 Helmet and Safety Apparel, Towing and Roadside Assistance, Trip Interruption and Track Day coverage are just a few of the items that make the Plus Package a popular choice.
For those who want the most coverage to protect their lifestyle.
We've taken the Plus Package and added Diminishing Deductible, Deductible Waiver, Enhanced Rental, Permissive Use Rental, Total Loss Settlement (five yrs.), $5,000 Optional Equipment at Replacement Cost, $2,000 Personal Effects at Replacement Cost, $2,500 Helmet and Safety Apparel and more!
Vintage & Vintage Elite
Created for customers with motorcycles age 25 and older that have been maintained or restored to original condition.
Custom & Custom Elite
Intended for those with limited production, one-of-a-kind motorcycles or bikes with more than $30,000 in optional equipment.
Low-Speed & Low-Speed Elite
Designed for customers who have Low-Speed and Neighborhood Electric Vehicles.
For those who want only Liability coverage. Includes First Accident Forgiveness and available Towing and Roadside Assistance.
Your motorcycle needs an insurance coverage that will take care of it like you do. Lucky for you, an agent can help you choose the right Foremost insurance policy for your motorcycle, so you can go out and enjoy the ride while someone else takes care of the paperwork!
Our Motorcycle Insurance has you covered:
Optional Equipment Coverage
Optional equipment is included with Comprehensive coverage. (You can also increase your limits on Optional Equipment coverage up to $15,000, which is great for custom painting, chroming, sidecars and other great additions to your ride that were not originally provided by the manufacturer.)
Safety Apparel Coverage
This provides coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Replacement Cost Total Loss Settlement
We provide Replacement Cost coverage for up to five years on bikes purchased new with a maximum MSRP of $35,000 with our Elite package. This coverage does not apply to custom, classic or vintage motorcycles.
If there's a beautiful sunny day, you don't want to miss it. No calls, no hassle with our annual policy you can insure your motorcycle even in the "off-season."
Towing and Roadside Assistance with Trip Interruption Coverage
We have experts that know how to take care of and tow your bike.
Liability Only Coverage
This broad coverage is meant for accidents involving your motorcycle (the coverage is for third-party injuries and property damage). The "only" option allows you to make the decision if the liability coverage is all you want. You decide.
You can choose the limits that you want on your liability.
Regardless of who is at fault, this covers your motorcycle in the event of damage caused by collision with other vehicles and trees or utility poles.
Other than Collision Coverage
Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.
Medical Payments Coverage
Hopefully, never needed, but very important with motorcycle insurance, this coverage pays for the necessary medical care you receive as a result of an accident.
Provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $7,500).
Uninsured/Underinsured Motorist Coverage
Coverage that protects you financially if you're in an accident with someone who's at fault and either has no insurance or insufficient insurance.
What types of motorcycles do we cover?
Foremost covers nearly everything from cruisers to touring bikes, sport, trikes, classics, electric, adventure and many more. A Foremost policy will cover most makes and models and give you coverages you may not find elsewhere. Visit an agent to help you choose the right Foremost motorcycle insurance policy for your ride.
Policy Payment Options
Foremost offers flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.
It's a smart choice to go with Foremost where we employ actual motorcycle enthusiasts and sponsor actual motorcycle racers. We walk that walk and talk the talk. That's why we are here to tell you that a Foremost Motorcycle policy can cover you so the journey can continue.
|Other Companies/Policy with Minimal Coverage||Foremost Motorcycle Insurance Policy|
|What if I am on a day ride and my bike breaks down?|
|Your typical motorcycle insurance may cover a tow truck to come out, but it may not be a bike expert.||Foremost specialized towing and roadside assistance program uses professionals who know how to tow a bike and know where to take it for a proper repair.|
|What if I take a small spill on my bike and damage my safety equipment (goggles, helmet) beyond repair?|
|You may be replacing that safety equipment with money out of your pocket.||A Foremost Motorcycle policy offers helmets and safety apparel coverage up to $2,500 with the Elite package..|
|What if I purchase a brand new bike and a couple months later I have a mishap and the bike is considered a total loss?|
|With typical motorcycle insurance, you may not get the full value that you purchased the motorcycle for.||With the Foremost replacement cost total loss settlement option, you will be able to replace your bike with one of like kind and quality up to 110% of the purchase price.|
|What if I am an accident on my bike and the other person at fault has no insurance?|
|Some motorcycle insurance policies would cover a replacement bike, but may not cover your medical bills, other policies may cover your medical bills, but not all the bells and whistles on your bike.||A Foremost Motorcycle policy protects you financially if you're in an accident with someone who's at fault and either has no insurance or insufficient insurance.|
Why an agent
"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"
We want you to take advantage of the knowledge!
Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.
Take advantage of the knowledge at hand and locate an agent to help you choose the right insurance today, so you can relax tomorrow.
Why get an Agent?
There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.
Get a Lower Cost
Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.
Get Extra Time
Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.
Get Personal Care
Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.
Availability: Foremost Motorcycle insurance is available in all states except Hawaii and Massachusetts and is only available in the United States. Please note that coverages and coverage amounts vary by state and all coverages may not be available in all areas.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.