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Motorcycle Insurance — CLEAR Report

Motorcycle policies are deceptively thin on coverage.

Your CLEAR Report analyzes the exact language in your motorcycle policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.

What We Analyze

→Agreed value vs. ACV settlement

→Custom parts and equipment limits

→Lay-up period and seasonal exclusions

→Liability limits adequacy

→Uninsured motorist coverage

→Gear and apparel coverage

→Trip interruption coverage

→Roadside assistance provisions

Industry Reality Check

What the data actually shows.

80%

of motorcycle total losses are settled below replacement cost

$3K

average custom parts value not covered under standard policies

1 in 4

motorcycle policies have lay-up clauses that void mid-season claims

35%

of riders have no uninsured motorist coverage

Common Coverage Gaps

Where motorcycle policies typically fall short.

Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.

Gap 01

Agreed value vs. ACV settlement

Gap 02

Custom parts and equipment limits

Gap 03

Lay-up period and seasonal exclusions

Your Report Framework

The CLEAR Report — 5 Core Areas

Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.

Coverage

What is actually protected under your policy and under what conditions.

Limits

Where your financial caps, sublimits, and per-occurrence maximums live.

Exclusions

What is explicitly left out — often buried in endorsements and riders.

Adjustments

Endorsements, modifications, and riders that change your base coverage.

Risk

Your overall exposure score based on gaps, limits, and exclusion density.

Report Structure

9 Sections. Every policy. Every time.

Coverage Summary

Plain-English breakdown of what your policy actually covers.

Limits Analysis

Every financial cap mapped against real-world exposure.

Exclusions Review

What is left out — and what that means for your specific risk.

Endorsements & Adjustments

Riders and add-ons that modify your base policy terms.

Risk Score

Your CLEAR score: a 0–100 rating of overall policy strength.

Coverage Gaps

Specific areas where your coverage falls short of your exposure.

Carrier Flags

Known issues and patterns specific to your insurance carrier.

Claim Readiness

Whether your policy and documentation are ready if you need to file.

Questions for Your Agent

Specific questions to ask your agent based on what we found.

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