Optional Coverage


Purchasing additional endorsements are not required by law but can help protect your assets. These endorsements ensure your policy has enough protection in case of an accident.

Optional endorsements include:


Collision coverage pays out for damage to your motorcycle due to an accident with another car or bike, minus the deductible.


Comprehensive coverage pays for replacement or replacement costs if your motorcycle is stolen or damaged by a non-driving related event, including animal collisions. Other covered perils include:

  • Fire
  • Theft
  • Vandalism
  • Severe weather
  • Falling objects

Medical payments (MedPay)

Medical payments coverage is supplemental insurance that pays for medical bills if you or a passenger are injured in an accident. Medical payments coverage should not replace health insurance coverage.

Transport trailer coverage

Insurance Navy offers up to $10,000 worth of damage to a trailer.

Trip interruption coverage

Trip interruption coverage pays for room accommodations, transportation and food if your motorcycle breaks down or is in a collision 100 miles from home.

Custom parts, equipment and accessory coverage

Anything that alters a motorcycle’s appearance or performance is not protected in a standard policy. Custom Parts and Equipment (CPE) coverage helps bikers protect aftermarket accessories. If you have custom parts and accessories, adding accessory coverage to your insurance coverage is a great idea. Insurance Navy offers up to $30,000 worth of protection.

Roadside assistance

Roadside assistance covers labor and towing if your motorcycle cannot be repaired to working conditions for just $10 a year.


Underinsured and uninsured motorist coverage provides extra coverage for property and bodily damage caused by a driver with no insurance or whose limits are not high enough to cover the damages or medical costs.

Do you need more information about motorcycle insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on motorcycle coverage. Motorcycle coverage varies by policy.