Is transport/trailer coverage included?

Typically requires separate coverage or endorsement for transport damage protection.

In most insurance policies, coverage for damage that occurs during the transport of your powersport vehicle, such as a motorcycle or ATV, is not automatically included. This means that if your vehicle is being transported and gets damaged, stolen, or involved in an accident, your standard policy might not cover these losses. To protect your vehicle during transport, you often need a separate policy or an additional endorsement specifically designed to cover transit damage. This endorsement can be added to your current policy through your insurance provider, usually for an additional fee. It's important to read through your policy or speak with an insurance agent to fully understand what is and isn't covered when your vehicle is in transit.

Imagine you're planning a big weekend getaway with your friends to ride dirt bikes in a distant national park. You decide to trailer your dirt bike across state lines. On the highway, another vehicle side-swipes your trailer, causing your bike to topple and sustain damage. When you check your insurance, you find out that the damages aren’t covered because your existing policy didn't include transportation coverage. If you'd added a transport protection endorsement to your insurance, the repair costs for your bike would have been covered, saving you from a financial hit.

Before you transport your powersport vehicle, check with your insurance provider to see if transport damage coverage is included in your policy. If it's not, consider adding an endorsement or purchasing separate transport insurance. This extra coverage can provide peace of mind and potentially save you from unexpected expenses. Always ask for a clear explanation of what different coverage options include and make sure it fits your needs, especially if you frequently transport your vehicle to enjoy different riding locations or events.