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National General motorcycle insurance review

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National General motorcycle insurance review

  • Get a quote if you need coverage for a customized bike.
  • Pick something else if you live in Hawaii or Massachusetts.
  • Variety of riders and bikes can find the right insurance policy.

optional

Roadside assistance

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods email, phone, in-person
Accident forgiveness

Pros

  • 24/7 claims processing
  • Flexible payments
  • Manage your policy online
  • Multi-policy bundling
  • Claims service guarantee
  • Safe rider and multi-cycle discounts.

Cons

  • Expensive base rates
  • Turbocharged bikes, racing and commercial bikes do not qualify for coverage
  • Poor customer service reviews

Expert review

Julia Cameron

Review by


Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

National General offers complete coverage for almost any type of bike, including dually bikes, trikes and custom rides. Wide discounts could help you save on bike coverage.

But if you prefer to apply online, you might find another bike-specific insurer could get you a better deal. And bikers in Hawaii and Massachusetts need not apply.

What insurance coverage does National General offer?

At National General, you can find all of the coverage types that are available at most big-name providers, including:

  • Liability. This required coverage protects you if you injure someone in an accident or damage their property.
  • Collision. Coverage for damage to your own motorcycle in an accident.
  • Comprehensive. Covers damage resulting from something other than a collision, like theft or fire.
  • Medical payments. In the event of an accident, this helps to pay for the medical expenses for you and your passengers.
  • Uninsured/underinsured motorist. This protects you if you’re in an accident with someone who doesn’t have enough insurance.

What extra benefits and add-ons does National General offer?

Beyond the traditional types coverage, you can also opt in for these extras.

  • Coverage for any permanently attached equipment.
  • Coverage for saddlebags, heated grips, tall windshields and other custom accessories and safety apparel, up to $3,000.
  • No deductible for your medical coverage.
  • Free post-repair inspections.

What types of motorcycles does National General cover?

National General covers the following types of bikes:

  • Dual sport/adventure bikes
  • Cruisers
  • Touring
  • Sport and high performance motorcycles
  • Dirt bikes
  • Mopeds and scooters
  • Antique and collectible bikes
  • Spyder
  • Trikes
  • Slingshot/autocycle
  • Customized motorcycles/choppers
  • ATVs, UTVs, golf carts

What discounts can I get with National General?

A few discounts to be aware of when insuring your ride:

  • Multicycle discount. Ensure more than one motorcycle and save money.
  • Safe-rider discount. If you have a history of no accidents and a clean driving record, you may be able to get a discount.
  • Touring bike discount. Because touring bikes offer stability and passenger space, they’re cheaper to insure.
  • Paid-in-full discount. Get a discount when you pay in full annually.
  • Affinity discounts. Your membership with certain organizations will net you a discount.
  • Multipolicy discount. Bundle your insurance policies and save money.
  • Paperless discount. Switching to electronic billing saves you money.
  • Autopay discount. Signing up for autopay earns you a discount.

Pros and cons of MIFB car insurance

Pros

  • Guaranteed satisfaction. If you aren’t happy with the claims service from National General, they waive up to $250 of your deductible.
  • Guaranteed collision repairs. Take your motorcycle to any of National General’s Gold Medal Repair Shops to get it repaired.
  • Generous discounts. National General offers an extensive list of discounts to bring your premium down.

Cons

  • Not available in all states. If you live in Hawaii or Massachusetts, you’ll have to look elsewhere for coverage.
  • No online application. Unlike applying for auto insurance through National General, you’ll have to call an agent to get a quote or apply for insurance for your motorcycle.

How to apply for National General motorcycle insurance

To get a quote or apply, call 800-462-2123.

Unfortunately, National General doesn’t offer online quotes, so you’ll need to contact an agent or call the main support number.

What info do I need to apply?

Before calling, have the following info ready:

  • Current insurance policy
  • Driver’s license
  • Motorcycle make, model, license plate number and VIN
  • Lienholder’s name and address if the bike is financed

How do I make a claim with National General?

There are two methods for filing a claim with National General:

  • Phone. Call 800-468-3466 to have someone walk you through the claims process.
  • Online. You can also file a claim online by going to the Claims Center page and clicking on Report A Claim.

No matter which method you choose, be prepared with the following information:

  • Policy number
  • Motorcycle make, model, license plate number and VIN
  • Details of the loss

Alternatives to National General

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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