Powersports insurance – Page 2

Allied boat insurance coverage

Whether you captain a party pontoon, bass boat or waverunner, Allied pleasure boat insurance coverage protects you from stem to stern. An Allied agent will create a policy for your boat, or personal watercraft that meets your needs and budget.

Allied coverage includes:

Medical payments

We will pay for covered medical or funeral expenses for bodily injury caused by a covered accident involving your boat or personal watercraft.

Uninsured/underinsured boaters

This boat and personal watercraft insurance coverage protects against covered bodily injury to you or other watercraft occupants due to an accident caused by an uninsured, underinsured or unidentified boater.

Physical damage coverage

This pays to repair or replace your boat after a covered loss. You have several options for covering your personal watercraft: Actual Cash Value, Agreed Value, or Replacement Cost. Your rates are calculated on 12 months of coverage assuming seasonal use.

Liability to others and the environment

Liability provides « third party » coverage for bodily injury and property damage as the result of a covered accident involving your boat or personal watercraft.

Allied also offers specialized, optional boat insurance coverage including:

Rental reimbursement

You’ll be reimbursed for your covered expenses incurred while renting a substitute watercraft when your boat or personal watercraft sustains a covered loss.

Fishing equipment

Protection for covered rods, reels, lures, tackle boxes, electronic gear and any equipment used for recreational fishing, up to selected limits while on board an insured boat.

Personal effects

This endorsement for your boat and personal watercraft insurance covers personal property, water sports equipment and boat lifts and hoists.

On-water towing and labor

Allied boat insurance coverage pays for towing a disabled boat back to dry land, or emergency assistance when a covered watercraft is disabled while afloat.

Roadside emergency service

Should your boat towing vehicle or trailer become disabled, the covered expenses for towing your pleasure boat to the nearest qualified repair facility are covered.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

On and off the water, you’re protected with Allied

Recreational boating is exhilarating, but it’s not without danger. Hidden underwater debris, novice boaters and storms can all take a toll on your boat or personal watercraft. Allied’s pleasure boat insurance protects you from costly repairs and liability, should something go wrong.

Allied boat insurance coverage

Allied insurance covers your pleasure boat and personal watercraft year round, whether it’s moored in the water or stored in dry dock. Your policy can be tailored to meet your needs with any number of coverage options like physical damage, liability, uninsured/underinsured boaters coverage, coverage for fishing equipment, on-water towing and labor, and rental reimbursement.

Your Allied Insurance agent can help you determine which coverage options best meets your needs and budget.

Allied boat insurance discounts

You can lower your pleasure boat and personal watercraft insurance rates with Allied’s money-saving-discounts. These include discounts for combining your boat or personal watercraft insurance with your auto or homeowners insurance, or completing an approved boating safety course. Your Allied agent can provide you with all the details and check your eligibility.

Allied simplifies your life

We know you’re busy, so we’ve worked hard to make insuring with us easy. Our superior Allied Claims Services provides quality, 24/7 service and guaranteed repairs. And our automatic payment plan lets you choose the payment option and amount that works best with your budget and schedule.

Allied motorcycle insurance discounts

The less you spend on motorcycle insurance, the more you have left over for accessories and road trips. Your Allied agent will help you find the best ways to save while creating a policy that covers your needs.

Multi-policy discount

Save on your motorcycle insurance when you also insure your auto, home, condominium or apartment with Allied.

Multi-vehicle discount

Insure multiple vehicles with one Allied policy and save.

Safety course discount

Get an Allied motorcycle insurance discount when you complete an approved safety course.

Theft-recovery discount

If you have a professionally installed radio or GPS theft-recovery system, you can save 20% on your motorcycle insurance premium.

Riding association discount

Lower your cost for being a member of a riding association.

Anti-Lock brake discount

If your motorcycle is equipped with a factory installed 2 or 3 wheel Anti-Lock Braking System (ABS), you can save 5%.

Homeowner discount

Save on your motorcycle insurance if you also own your home, condo, townhome or mobile home.

Paid in full discount

Save 10% by paying your 12-month motorcycle insurance premium in full.

Discounts may not apply to all coverage. Maximum combined discount limit applies.

Allied motorcycle insurance coverage

As a motorcycle owner, you know all too well that the road can be a dangerous place. We understand too — that’s why Allied’s motorcycle insurance coverage is designed for a wide range of situations.

Our optional motorcycle insurance coverage include:

Liability insurance

Liability insurance covers the damages you may be legally responsible to pay due to a covered accident, like bodily injury or damage to another person’s bike or car.

Collision

Collision coverage pays to repair your bike if it’s damaged by a covered collision with another object. This policy includes $2,000 in coverage for helmets, leathers and other safety apparel.

Comprehensive coverage

This coverage helps pay to have your motorcycle repaired when damaged by covered fire, theft, falling objects or vandalism.

Uninsured/underinsured motorists coverage

Uninsured motorists coverage provides for bodily injury if you or your passenger are injured by a covered hit-and-run driver or someone without insurance. It also covers you if you’re in a covered accident while on foot.

Underinsured motorists coverage fills in the gaps if you’re in a covered accident with someone who doesn’t have enough insurance to cover your losses.

Custom equipment

This option provides up to $30,000 in coverage for parts, custom paint, and accessories ($3,000 included for free with comprehensive coverage).

Guest passenger bodily injury

This coverage will cover costs if your passengers are injured while riding on your motorcycle.

Roadside assistance

If selected, our emergency roadside assistance program provides help with a flat tire, a jump or a tow. You also have the option of increasing your protection to include any trip interruption expenses you incur when you are more than 100 miles away from home.

Towing and labor coverage

This coverage can reimburse you for a tow and for the labor costs to get your motorcycle up and running again.

Original equipment manufacturer (OEM) coverage

If you choose this option, Allied will replace lost or damaged parts in a covered loss with OEM parts, whenever available.

Agreed value for replacement

Agreed value for replacement coverage ensures that you get an agreed replacement amount for custom bikes, trikes, assembled/kit bikes and vintage bikes based on a formal appraisal, rather than the current market value.

Protect your bike and custom equipment

When you’re cruising the open road, the last thing you want to worry about is your motorcycle insurance. Ride easier knowing your bike is covered by an affordable policy from Allied. Your Allied agent will work closely with you to make sure you get the coverage you need.

Motorcycle insurance coverage

Our motorcycle insurance coverage was created with you in mind. Your agent will work with you to design an Allied motorcycle insurance policy with the right options, like liability protection, collision coverage, medical payments, towing and labor and roadside assistance.

Motorcycle insurance discounts

When you’re shopping for motorcycle insurance, it’s important to find out about the discounts each company offers. With Allied you’ll get an affordable policy that rewards you for being a customer with discounts and features designed to give you the best value for your money.

One-stop shopping

Allied’s broad portfolio of insurance products makes your life easier. Your Allied agent can help you select the best policy not only for your motorcycle and cars, but your home, boat and RV, too. Be sure to ask your agent about multi-policy discounts that can make a real difference.