Safeguard your freedom machine all year round.
Freedom. It is the power of cc’s surging from the engine. It’s the wind in your face as two wheels meet the pavement. And it’s the knowledge that your machine … whether a scooter, motorcycle, high-performance cycle or touring bike … is completely protected.
When you talk to an independent insurance agent, ask about Wolverine Mutual – and learn how to get the most value for your insurance dollar.
Motorcycle Coverage
Get complete coverage for your motorcycle – from a scooter to a fully equipped tour bike. Certain "trikes" too.
Riding your motorcycle is exhilarating. But to really enjoy your freedom you need to know that you and your bike are protected no matter what the next curve brings on your adventures. Wolverine Mutual offers the coverage you need, including one of the highest protections for your factory-installed equipment available. Here’s the peace-of-mind you’ll get:
- Collision Protection for your motorcycle. You pay no deductible if the identified other driver is legally liable for the loss. Comprehensive coverage with or without Collision is also available.
- Bodily Injury Coverage ranging from $25,000 to $500,000. Property damage protection ranging from $25,000 to $100,000.
- Coverage for most Harley-Davidson models without an extra surcharge.
- Helmet and Riding Apparel Coverage is provided automatically on all bikes with Comprehensive coverage ($1,500 limit maximum; $600 limit per helmet).
- Road Service Coverage provided automatically on all tour bikes with Collision and Comprehensive coverage. Coverage can be purchased separately on other models.
- Automatic Renewal so you do not have to apply year after year*
- Optional or Added Equipment Coverage (one of the best in the nation) lets you customize your motorcycle or tour bike without worry. Load your bike with cruise control, stereo, intercom, studded seats, saddlebags, custom chroming or painting, etc. – Wolverine Mutual will protect all your factory-installed equipment up to $5,000 (additional coverage is also available).
When it comes to savings … Wolverine Mutual goes full throttle.
In our region, when the temperatures drop, most motorcycles go into storage. So how should you financially protect your bike in the winter?
Some insurance companies charge you the same premium whether your bike is on the road or in storage. But at Wolverine Mutual we write motorcycle policies based on the needs you have living here – providing you with year round protection and winter savings:
Great value year round.
Wolverine Mutual’s twelve-month rate gives you 365 days of coverage for only a nine-month premium – so you can take advantage of those sunny days in the off-season. During the winter months we can also let your policy go “comp only.” This will suspend the MCCA fee as well as your liability and collision coverage – which means greater savings for you.
One deductible saves you hundreds of dollars.
Many insurance companies charge a separate deductible for each item covered when a single accident causes multiple damages and losses. Not Wolverine Mutual. You pay only one deductible whether there’s damage to your motorcycle, equipment, trailer or all three. That can save you hundreds of dollars.
“Test ride” your policy for six months.
Wolverine Mutual offers the option of a six-month policy, too. At the end of your term, you can renew your policy automatically* – saving you from re-applying each year.
*Providing that Wolverine Mutual Insurance Company chooses to renew the policy and that the customer continues payment of the agreed premiums.
Customize your coverage with these options.
With Wolverine Mutual, you have the flexibility to choose the coverages that best fit your personal or family needs.
Learn more >
Lower your rates with these money-saving discounts.
You can also cut your annual premium costs by qualifying for these discounts - ask your independent insurance agent for specifics:
Learn more >
Michigan Cyclists: What is the MCCA fee? Michigan motorcycle insurance companies are assessed an annual fee to fund the Michigan Catastrophic Claims Association (MCAA). The Michigan Legislature formed this non-profit, unincorporated association in 1978 as part of the State’s unique No-Fault insurance law. The MCAA provides unlimited lifetime coverage for medical expenses incurred in severe personal injury cases. This fee is adjusted each July based on the MCAA’s profit/loss evaluation. This fee is typically absorbed in policyholder premiums.
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
