MetLife motorcycle insurance review Mar 2021
Get standard coverage with a few bonuses, plus bundle recreational vehicles together.
finder.com’s rating: 4 / 5.0
- Get a quote if you want to save by bundling insurance for multiple vehicles.
- Pick something else if you have high customer service standards.
- Bikers of all kinds can apply.
|States served||All 50 states|
|Claims methods||online, phone|
- Additional coverage included
- Financially stable company
- Easy claims process
- Bundle and save
- Low customer service ratings
- Not motorcycle-specific
- Few discounts
- No online quotes
- Roadside assistance not available for offroad vehicles
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
MetLife offers a standard range of coverage with several key features included, such as uninsured/underinsured and guest passenger liability. Its worldwide service means you can count on this company’s ability to back up your claims.
However, its broad RV-focused coverage means it could be lacking helpful, biker-specific features. It’s handy if you need to insure multiple off-roading vehicles on the same policy but will leave bike enthusiasts lacking for some features. You won’t find great customer support here either, with tons of negative reviews online with a lack of responses from the company.
How to apply for MetLife motorcycle insurance.
To get MetLife motorcycle insurance, speak directly to a representative by phone or email.
- Phone. Get a direct quote from a MetLife representative by calling 844-758-7818.
- Email. Use the contact form on MetLife’s RV and motorcycle insurance homepage to get your quote. You’ll provide both your email address and phone number there.
What info do I need to apply?
Keeping this information handy will speed up the application process:
- Personal information: home address, phone number and date of birth
- Driver’s or motorcycle license number
- Motorcycle details: make, model and license plate number
- Driving history for you and any other listed drivers
- Choice of coverage and policy start date
- Payment information
What discounts can I get with MetLife?
MetLife provides a few discounts to help you save money on your premium. Specifically, the company states a multipolicy discount for motorcycles.
However, you might also be able to receive many of its car insurance discounts. Confirm these with a representative before purchasing your policy.
- Multipolicy. The company offers up to 10% savings if you bundle policies together in one convenient place with MetLife.
- Deductible savings. Get $50 per year off your deductible for going claims-free, up to $250 total.
- Safety course. Complete an approved driver training course for additional savings.
- Superior driver. Does your entire household have a stellar driving record? If so, MetLife extends extra rewards.
- MetBenefits. Stay claims- and violation-free for five years to get up to 20% off your premium.
- Safety features. Make sure your motorcycle has safety features like antilock brakes for this easy discount.
- Antitheft. Get rewarded for having an antitheft or theft recovery system installed on your bike.
- Restricted mileage. Lower your rates for driving under 7,500 miles per year.
- Good student. Maintain a “B” average or better as a student under 25 years old for another 15% off.
- Mature driver. MetLife honors experienced drivers who are between 50 and 65 years old.
What motorcycle insurance coverage does MetLife offer?
MetLife offers a healthy list of standard coverage for protection on the road:
- Bodily injury liability. Cover medical expenses for the other driver or passengers involved in an accident you caused.
- Property damage liability. Take responsibility for any vehicle damages you cause to another driver.
- Guest passenger liability. Pay for injuries, damages or legal fees for a passenger riding with you during an accident. This is included in your bodily injury and property damage liability.
- Collision. Protect your motorcycle from structural damage during accidents where you’re at fault.
- Comprehensive. Pay for damages caused by non-collision events, like theft, storms or fallen tree branches.
- Uninsured and underinsured motorist. Protect yourself from at-fault drivers who don’t have enough insurance to cover your damages. This coverage is included in every MetLife motorcycle policy.
- Medical payments. Cover medical expenses if you, family members or other passengers get hurt in an accident.
What extra benefits and add-ons does MetLife offer?
The company includes a few add-on features for extra peace of mind when you’re out riding:
- Replacement cost. Pay for extra parts on your bike during an accident — such as tires, batteries and shocks — without considering depreciation for those parts.
- Extra equipment. Cover equipment added to your bike, like chrome handlebars or sidecars.
- Towing and roadside assistance. Get assistance for roadside needs like towing, battery jumps or fuel delivery if your motorcycle breaks down on the road.
- Trailers. Pay for damages to the trailer you use to transport your bike.
- Legal defense. Cover legal defenses under liability coverage if you ever need to go to court over an accident. You’ll also get reimbursed up to $250 per day if MetLife asks you to attend court.
Alternatives to MetLife
What types of motorcycles does MetLife cover?
MetLife covers all types of motorcycles and vehicles, including:
- Dirt bikes
- Bike trailers
Pros and cons of MetLife motorcycle insurance
- Additional coverage included. MetLife includes several coverage features in standard policies, including uninsured/underinsured and guest passenger liability.
- Financially stable company. MetLife is one of the largest insurers in the world, making it a stable choice to consider. The company also boasts an A+ financial rating with AM Best.
- Easy claims process. Many customers on review sites say that filing claims is a quick and smooth process.
- Bundle and save. Already have another MetLife policy? You can get a savings discount.
- Low customer service ratings. The company does have some glowing reviews on consumer sites with other average experiences mixed in. However, the BBB rates MetLife a D- for failure to respond to 12 complaints.
- Few discounts. You won’t find many discounts with MetLife’s motorcycle policies.
- Not motorcycle-specific. MetLife shares its motorcycle coverage with other recreational vehicles. So it may be missing coverage needs specific to bikers.
- No online quotes. You’ll need to talk to a representative directly for an insurance quote.
- Roadside assistance availability. This coverage isn’t available for offroad vehicles, such as scooters, golf carts and unregistered dirt bikes.
How to make a claim with MetLife
Easily file a claim with MetLife 24/7, by phone, online or through the mobile app.
- Phone. Call a claims rep any time at 800-854-6011.
- Online. Feel free to use your online account if you’re filing a structural damage, glass or towing claim.
- Mobile app. Enter your accident details straight from your phone, including submitting photos of the accident.
Frequently asked questions about MetLife motorcycle insurance
Car insurance ratings
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