Motorcycle Insurance
What types of motorcycles do we cover?
✔ Cruisers
✔ Touring
✔ Sports and high performance
✔ Dirt bikes
✔ Mopeds and scooters
✔ Antiques and collectibles
✔ Spyder
✔ Slingshot / Auto cycle
✔ Customized motorcycles / choppers
✔ ATVs, UTVs, Golf carts and more
✔ Dual sport / adventure bikes
Cold Mountain Insurance has affordable Motorcycle coverage in North Carolina.
Specialized benefits and coverage for those who love to ride
✔ New Bike Replacement Cost Coverage
Provides coverage for a comparable new cycle if your bike is totaled or stolen (and not recovered) within its first two model years.
✔ Free Helmet Coverage
Stay protected. We'll cover helmets at no additional cost.
✔ Coverage for custom bikes
Whether it's an up-sized engine or new chrome is being added, we can cover it up to $20,000 for additional custom equipment.
✔ OEM Parts Coverage
Guarantees the use of Original Equipment Manufacturer parts when repairing bikes 15 years old or newer.
✔ Coverage for custom accessories and safety apparel
Saddle bags, heated grips, tall windshields - we cover up to $3,000 for accessories, with higher limits available.
✔ Medical coverage with no deductible
Helps our insureds focus on getting well without a painful deductible.
✔ Roadside Assistance
Our optional roadside assistance means you're never alone. In the event of a covered accident we help pay for lodging, alternative transportation and up to $300 in towing!
✔ Fast claims processing
We pay fast! Most minor claims are paid within 48 hours of being reported.
✔ Budget-friendly payment options
Pay Your Way! Choose from our budget friendly payment options designed to give customer coverage at an easy to pay price.
Discounts to keep customers saving while they ride
Safe Rider Discount
Complete a motorcycle safety course and riders are eligible for a discount.
Frame Guard / Slider Discount
Is there a frame guard on the bike? That's another way to save.
Multi-Bike and Multi-Policy Discounts
Save even more when additional bikes and/or vehicles are covered by National General.
There are plenty of ways to save with National General
- Paperless Discount
- Pleasure Use Discount
- Renewal Discount
- Homeowners Discount
- Flexible pay plan options
