Excluded from the car policy
A personal auto form almost always excludes two and three-wheeled vehicles outright.
Motorcycle
Street bikes, cruisers, touring, dirt and ATVs.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. A motorcycle and ATV policy is built like auto insurance, with liability, collision, comprehensive and uninsured motorist cover, but priced for bikes, because most personal auto forms exclude motorcycles and ATVs by definition. Cennairus places street bikes, cruisers, touring, dirt bikes and ATVs, including custom parts: we shop it across the panel.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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A personal auto form almost always excludes two and three-wheeled vehicles outright.
Aftermarket exhaust, paint and accessories are valued and listed on the policy, not estimated after a claim.
Street-legal bikes and off-road-only dirt bikes and ATVs are written on the same application, priced differently by use.
Years licensed and any rider training move the price as much as the machine does.
Offered against the same client record as the home and the auto.
Street machines and the off-road units that auto forms will not touch.
Custom parts and equipment scheduled rather than argued about at claim time.
Who buys it: street bike and cruiser owners; touring and sport-touring riders; dirt bike and off-road riders; atv and side-by-side owners; classic and collector motorcycle owners; households already insured for home and auto.
Parked on the same street as the car, insured on a completely different form — that’s the gap this line exists to close.
Most personal auto forms exclude motorcycles and ATVs by definition, not by exception.
Aftermarket additions above the manufacturer’s original equipment are listed and valued on the policy, up to a set limit.
It depends how the policy is written.
Year, make and model, engine size, how it’s used — street, off-road or both — storage location, the rider’s licensing and years of experience, and any custom parts to schedule.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
