It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you want to worry about is whether you have the right insurance policy.

We get it.
That's why Foremost offers a specialized policy designed specifically for you and your motorcycle. Whether you have a cruiser, a sport bike or a trike conversion, chances are we have the policy for you. We cover things like safety apparel...helmets, leathers, gloves; optional equipment like custom paint jobs, side cars, after-market parts and accessories; even towing and roadside assistance.

Coverage Options
Our policies provide important standard and optional coverages that are geared toward motorcycles, and may not be available in a conventional auto policy. A Foremost insurance policy, on the other hand, can give you more security and more value for your money.

Important Coverage
For real peace of mind as you travel the highways and byways, you need a policy that provides a wide range of coverage. These should include:

• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage
• Optional Equipment Coverage

Optional Coverages
For extra coverage on the open road, and because not everyone's needs are the same, a Foremost policy offers a variety of options, such as:

• Increased limits on Liability
• Uninsured/Underinsured Motorist Coverage
• Replacement Cost Total Loss Settlement Coverage
• Increased limits on Optional Equipment Coverage
• Towing and Roadside Assistance with Trip Interruption Coverage
• Coverage on transport trailers valued up to $7,500

Broad Eligibility
It's truly amazing how many different types of motorcycles you see on the road today. Powerful American iron. High-class imports. High-performance sport bikes. Eye-catching trikes. Custom cruisers. Fully-restored classics. Foremost will cover all of these - and give you the important coverages you may not be able to find elsewhere.

Annual Policies
You can enjoy year-round coverage with no lay-up period, so if there's a beautiful winter day when the road is calling to you, rest assured that you're covered. No extra phone calls, no hassles!

Replacement Cost Total Loss Settlement
Provides replacement cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000. This coverage applies when the insured purchases a new motorcycle from a dealer and insures it with Foremost within 30 days of purchase. Refer to the endorsement for details. This coverage does not apply to Custom or Classic Motorcycles.

Features and Discounts
Foremost offers a variety of discounts that can save you money on your premium. And there's no limit to the number of discounts you can receive if you qualify. With a Foremost policy, you may be eligible for the following discounts:

• Multi-Policy
• Prior Insurance
• Multi-Unit
• Affinity Group
• Preferred Operator
• Renewal discount for maintaining continuous coverage
• Safety Course
• Airbag equipped
• Anti-lock brake equipped

Rewards for Responsible Riders
All motorcycle policies are not the same. Foremost offers an excellent policy and several special features for responsible riders.

• A First Accident Waiver program for loyal customers who have a good driving history that waives the premium surcharge on the first motorcycle accident.
• Additional Medical Payments Coverage available for riders using a DOT approved helmet.
• $500 deductible waiver on Other Than Collision Coverage for motorcycles with an approved stolen vehicle recovery system installed, including LoJack systems. For more information on LoJack systems, or where to find a dealer near you, visit www.lojack.com .

A Choice of Deductibles and Payment Plans
Higher deductibles can help lower the cost of your premium. Flexible payment plans, including automatic funds transfer, help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.

What to Look For in a Motorcycle Insurance Policy
If you think your motorcycle is adequately covered when you add it through an endorsement on your automobile policy, chances are you're mistaken...a lesson that you don't want to learn first-hand come claim time. You need an insurance policy that offers the coverages that are important to your specific bike and lifestyle.

Here are some things to look for when choosing a specialized insurance policy for your motorcycle:

• Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident
• Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer
• Optional Towing and Roadside Assistance in case your bikes breaks down and can't be ridden when you're away from home because you run out of gas, get a flat, or have other mechanical issues
• Optional Replacement Cost Coverage on bikes purchased new and insured within 30 days
• Flexible payment plans so you can choose the plan that best fits your budget
• Deductible and coverage limit options
• Premium discounts

Doing Business With Your Insurance Company
When you have a loss, it's an inconvenience, so you want to be taken care of quickly and efficiently by adjusters who are courteous, helpful and knowledgeable. Ask the company you're considering if they survey their customers on claim service to find out their level of satisfaction. A company proud of their results will willingly share the results with you.