For Individuals & Families

Motorcycle & Jet Ski

Ride and splash with confidence. We arrange tailored coverage for motorcycles, jet skis, and recreational vehicles. Your weekends get the same protection as your weekdays.

A motorcyclist riding away along a tree lined road
Illustrative photograph, not a picture of our own work. Adobe Stock.

What this is

Your auto policy stops at the car. A motorcycle, a jet ski, an ATV or a boat each sit outside it, and an insurer treats each as its own thing: different season, different exposure, different repair economics.

Which is why it is worth looking at properly rather than adding it as an afterthought. What a policy does about the machine, about the person riding it, and about the trailer it travels on are three separate questions with three separate answers.

Who it's for

  • You ride a motorcycle, year round or seasonally
  • You own a jet ski, a boat or an ATV
  • You are about to buy one and want the real running cost before you commit
  • Your recreational vehicle sits stored for part of the year

How we work on it

We ask how you actually use it, not how it sounds best on a form. Where it is kept, how many months it is on the road or the water, and who else rides it all change the shape of the policy. Accurate answers here are what stop a surprise at claim time.

Common Questions

Questions about this service

Does my car insurance already cover my motorcycle?

Generally not. To an insurer a motorcycle is a separate vehicle and needs its own policy. If you are not sure what your current one actually includes, bring the documents and we will read them with you.

I only ride part of the year. Does that change anything?

It can. Seasonal use, where the machine is stored out of season, and who else has access to it all feed into how the policy is built. Describe how it really works in your life and the answer follows from that.

What about the trailer?

The trailer is its own item, and it is the one people forget until the day they need it. Mention it while we are talking so it does not get left out of the conversation.

Simple Process

Three steps to the right coverage.

No jargon. No pressure. Just a clear path to protecting what matters.

STEP 01

Tell us about your situation.

We start with a conversation in English, Portuguese or Spanish, so we understand your life, your business, and what you actually need. No forms to fill out before we talk.

STEP 02

We find the right coverage.

Based on your situation, we compare options, explain the differences in plain language, and recommend what makes sense, never what pays us the most commission.

STEP 03

You're protected. We stay close.

Once you're covered, we don't disappear. As your life changes, we review your coverage and adjust it. A new employee, a new vehicle, a new chapter.