Scooter Insurance FAQ
Have questions about scooter insurance? We have answers!
Scooter Insurance Coverages
Foremost® insures scooters under its motorcycle policies.
Annual Policies
No calls, no hassle. With our annual policy, your scooter is insured even in the "off-season".
Liability Coverage
This coverage is meant for accidents involving your scooter for which you are legally liable.
Collision Coverage
This provides coverage for your scooter in the event of damage caused by a collision with other vehicles, trees or utility poles, regardless of who is at fault.
Medical Payments Coverage
This coverage helps pay for the necessary medical costs you incur because of a scooter accident.
Increased Limits
You can choose the limits that you want for your liability coverage.
Other than Collision Coverage
When purchased, provides coverage for damage to your scooter that doesn’t come from a collision – such as fire, theft, flood or vandalism.
Saver
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.
Plus
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.
Elite
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.
Liability Only
For those who want only Liability coverage. Includes First Accident Forgiveness and available Towing and Roadside Assistance.
Scooter Insurance Discounts
Here are just a few of the ways your can save money by choosing Foremost:
Multi-Vehicle
If you insure another vehicle with Foremost (in addition to your scooter or moped), both vehicles will receive a discount.
Locked Storage
Can be applied to Other Than Collision coverage if your scooter is kept in a fully enclosed, locked garage or structure when it is not being used.
Paid in Full
This discount can apply to new business when the premium is paid in full at the time the scooter insurance policy is issued.
