Eligible Vehicles
Insurance Product Illinois
Welcome Agents! Insurance built exclusively for riders, not drivers.
Boundless Rider exists because most P&C carriers are largely focused on primary lines (auto and home) and not the needs of riders and the riding community. With Boundless Rider, Agents now have a rider-focused option, offering unique features and benefits.
Choose a State to View Coverages, Limits & Discounts
Who we insure
- The minimum age for the Named Insured is 18
- The minimum operator age for a motorcycle and E-bike is 16
- The minimum operator age for off-road vehicles is 10
Vehicles we insure
Motorcycles
Two (2) or three (3)-wheeled. Includes gas (ccd) and electric (kws). Scooters, mopeds and all dual-sport (Enduros) are included in this category.
ATVs / UTVs
with an industry accepted manufacturer
Snowmobiles
with an industry accepted manufacturer
Off-road dirt bikes
E-Bikes – COMING SOON
includes class 1,2 and 3 (throttle and pedal assist)
includes class 1,2 and 3 (throttle and pedal assist)
What / Who We Don’t Insure
Restrictions
Restrictions / limits to binding rules
- Agents do not have binding authority to write $250,000/ $500,000 BI limits of liability. In order to obtain these limits, the following criteria must be met and proof must be provided to Boundless Rider. Policyholders must be a homeowner and carry $250,000/ $500,000 on their auto policy
Ineligible Vehicles
Dune buggies / Sand rails
Go-carts
Three (3)-wheeled ATVs
Motorized stand-up skateboards / skate caddies
Campers / RVs / Travel Trailers
Snow Machines (multi-tracks)
Segways
Motorized coolers
Pocket bikes
One (1)-wheels
Mini trucks
Class 4 E-bikes
Vehicles prior to 2004
Limited Production Motorcycles
Ineligible Operators
Violations & Accidents in the last 36 months
- Anyone who has had 3 or more major violations and 5 or more minor violations
- Anyone who has had 3 or more At Fault accidents
- Anyone who has had 4 or more Not At Fault accidents
Motorcycle License Requirement
- Operators of sport & super sport bikes with an engine size of 900cc and above who do not possess a valid motorcycle license
Fraud
- Anyone who has been convicted of insurance fraud or non-renewed for fraud including the named insured
Agent Programs & Resources
Missing Moto Program
Boundless Rider has developed a Missing Moto Program to support agent and agency growth by identifying registered motorcycle and powersport vehicles which are missing from clients’ insurance portfolios, creating customer outreach and retention opportunities in your book of business.
Safe Rider Program for Your Clients
The Boundless Rider Safe Rider Program includes exclusive features and benefits, like real-time crash detection with 911 coordination & $100,000 death benefit, as well our industry-first low mileage discount. Combining unique benefits with safety and savings, this program enables you to offer customers more than just motorcycle insurance.
Coverages & Limits (ILL)
Policy Level
Bodily Injury Liability (BI)
(per person / per accident)
Mandatory
$25,000 / $50,000 (minimum)
$30,000 / $60,000
$50,000 / $100,000
$100,000 / $300,000
$250,000 / $500,000 *
*Additional underwriting criteria required to write high-limit business
Guest Passenger Liability (GP)
Mandatory
Must be the same as BI
Property Damage Liability (PD)
Mandatory
$20,000 (minimum)
$25,000
$50,000
$100,000
Uninsured / Underinsured Motorist – Bodily Injury (UMBI)
Mandatory
Same limits offered as BI. Cannot be more than BI limits. Minimum coverage required is $25,000/$50,000.
Uninsured / Underinsured Motorist – Property Damage (UMPD)
Non mandatory
Limit $15,000 ($250 deductible)
Medical Payments (MED PAY)
Non mandatory
$500, $1000, $2000 or $5000.
Transport Trailer Physical Damage (TRAILER)
Non mandatory
$2500, $5000, $7500, $10,000 ($500 Deductible applies, per occurrence).
Vehicle Level
Comprehensive (COMP)
Non mandatory
Deductible Options: $100, $250, $500, $1000. Includes 2k of helmet and safety apparel. 60k Max payout including accessories.
Collision (COLL)
Non mandatory
Deductible Options: $100, $250, $500, $1000. Includes 2k of helmet and safety apparel. 60k Max payout including accessories.
Optional Equipment (OPT EQUIP)
Non mandatory
Motorcycles Only: $5,000 included with comprehensive.
Off-Road Vehicles only (includes ATV, UTV, Off-road motorcycle / dirt bike & snowmobile): $1,000 included with comprehensive.
Up to 20k can be purchased in 1k increments. Accessories cannot exceed vehicle ACV.
Physical Damage Plus (PDP)
Non mandatory
Available when comp is purchased. Provides a guarantee for Genuine Manufactured Parts when repairing the vehicle.
Diminishing Deductible (DIM DED)
Non mandatory
Reduction in comp and collision deductible upon renewal with no claims or lapses during the policy term. $200 on the first renewal and $100 every term after until zero.
Rental Reimbursement (RENTAL)
Non mandatory
Motorcycles only. $45/day max $1350
Replacement Cost (REP CST)
Non mandatory
Motorcycles only. Available when comp is purchased. Replacement cost if the vehicle is considered a total loss (excluding fire, theft and larceny). Replacement cost means the cost at the time of loss of a new, unused vehicle of the same vehicle type, and a make, size, body type, and model similar to the one damaged or destroyed. Must be original owner and be a model year 2 years or newer.
Roadside Assistance (Roadside)
Non mandatory
Motorcycles only. Provides a twenty-four (24)-hour towing and roadside service when a covered motorcycle is disabled due to mechanical or electrical breakdown, including assistance for battery failure, flat tires, insufficient supply of fuel, oil, fluid, or water, and lock-out. Cost of fuel/fluids not included. Service provided only through Incline pre-authorized vendor. Limit 5 occurrences per year.
Trip Interruption (TRIP INT)
Non mandatory
Motorcycles only. A $500 maximum per disablement is allowed (sub-limits apply).
Enhanced Permissive Use (EPU)
Non mandatory
Off-Road Vehicles only. Only available when BI limits are selected are above state minimum
Submersion (SUB)
Non mandatory
Off-Road Vehicles only. $2500 limit. Costs incurred for salvage or recovery operation of a covered vehicle that is completely or partially submerged in water or mud.
Special Processional (SPEC PROC)
Non mandatory
This allows named insured use of their motorcycle for compensation for the use of the motorcycle for processionals, parades, or as escorts. Insured primary business cannot be providing such services.
Discounts
Age Credit Homeowner
A discount applies if the Named Insured owns a home, condominium, townhouse, or a mobile / modular home. Must reside in the home, and be a declared operator.
Garaging
A discount will apply if the vehicle is primarily stored in a fully enclosed and secured structure.
Operator Safety Course
A discount will apply when the insured has completed an approved safety course for the applicable vehicle type within the last 3 years.
Riding Experience
Riding experience is based on the operator’s on-road experience.
Transfer
A discount will apply on a New Business policy when the Named Insured had a prior policy with Redpoint or another carrier within the last 60 days. Exception: Someone who has not been operating an uninsured motor vehicle in Texas for more than thirty (30) days during the twelve (12) months immediately preceding the date of the application. They would be rated in the ‘0 days’ category.
In the case of a rewrite, the discount will continue based on the original inception date.
Advance Quote
A discount will apply if the policy is quoted and bound at least one (1) day prior to the New Business policy effective date.
Motorcycle Endorsement
A discount will apply when the operator has a valid motorcycle license or endorsement (MCDL) on their driver’s license.
Multi-Line
AGENCY ONLY – A discount will apply if the Named Insured has one (1) or more additional personal lines insurance policies with the same agency.
Multi-Vehicle
Multi-Vehicle will automatically be applied if there are 2 or more vehicles on the policy.
Motor Group
A discount will apply to each insured who is a member of a motor group recognized by Redpoint. See Motor (Rider) Group list here.
Pay in Full
A discount will apply when the full-term premium is made in a single payment at New Business or Renewal. The discount is subject to removal if the payment plan is changed mid-term.
Surcharges
Household Composition
A surcharge may apply based on the number of household members.
At Fault / Not At Fault & Comprehensive Claims / Minor Violations / Major Violations
All accidents (regardless of fault), all comprehensive losses (except towing and acts of nature), and all major and minor convictions are counted. Claims on which payment has not been made are non-chargeable.
Operator MVR Surcharge
A surcharge will be applied to any operator who does not have a U.S. driver’s license but have a valid foreign driver’s license and an international driving permit. See Rule 508 for additional details.
Vehicle Modification
A surcharge will apply to any vehicle with any of the following: Branded title, such as salvage, flood etc.; state assigned VIN; equipped with a turbo/supercharger; modified frame; engine modification; custom extended fork. non-chargeable.
Payment Options
Pay in Full
Policies that are paid in full at the time of purchase, see a significant savings!
Pay in 12 Payments (Monthly)
In order to qualify for the payment plan, the total premium must be at least $150. A 20% deposit is required at time of purchase and a $2 installment fee will be incurred on each installment payment.
Claims
We offer 24/7 claims reporting. To file a claim on your customers behalf, call (800) 814-7231 x2
System Capabilities
The agent portal will allow you to do the following:
- Quick Quote
- Full Quote
- Bind
- Endorsements (limitation apply)
- Request Cancellation
Support
- (800) 814-7231
- [email protected]
Marketing Resources
Agency / Agent Marketing Resources for Boundless Rider Agents.
Customize and download print collateral, and download social media ad image assets.