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LAST UPDATED: June 28th, 2019

Nationwide has been striving to help members protect what’s important since 1925. With over 90 years in the business, Nationwide has been through the thick and thin and knows how to best care for its customers. Not only does Nationwide work with personal insurance, investments, retirement, banking, borrowing, and life events, but it also works with business insurance policies, benefits, banking, borrowing, and education.

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The Good

  • Year-Round Coverage
  • Benefits and Discounts
  • Coverage Options

Year-Round Coverage

Though you may not ride your motorcycle as much during the winter, that does not mean that it should not be insured. What if it were to get damaged while being stored for the season? With year-round rates, you can make sure that your bike is taken care of 365 days each year.

Benefits and Discounts

Nationwide wants to help you save money and offers a number of benefits and discounts to do so. For example, those who hold a 12-month policy can receive deductible benefits.

Nationwide offers discounts for members who meet one of the following conditions:

  • Multi-policy — combine home, vehicle, or life insurance policies
  • Multi-vehicle — bundle two or more of your vehicles, boats, ATBs, snowmobiles or scooters
  • Motorcycle safety course — complete an approved course
  • Theft-recovery device — add a professionally installed radio or GPS theft-recovery system
  • Homeowner — own a home, condo, townhome, or mobile home
  • Paid in full — pay your entire policy premium in full when you buy or renew a policy
  • Anti-lock brakes — have this system installed on your bike
  • Affinity member — be a member of a qualifying partner organization
  • Riding Association — be a member of a riding association, such as the Harley Owners Group

Coverage Options

Nationwide provides seven types of coverage in its basic insurance coverage policies:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Underinsured Motorist
  • Medial Payments

If you would like to add additional coverage options to your insurance policy, Custom Equipment, Roadside Assistance, and Original Equipment Manufacturer (OEM) Endorsement options are available.

One other perk with Nationwide is the “Vanishing Deductible.” Each year that you drive safely without any accidents or claims, you get $100 credited to your deductible.


The Bad

  • Final Claim Agreements

Final Claim Agreements

One of the drawbacks to using Nationwide to insure your motorcycle comes during the claims process. When you have spoken with an agent and they have given you a quote of what they think you may get for the bike if it has been damaged or totalled, you can’t lock-in this amount and be assured that you will receive that amount in the end. Nationwide reserves the right to adjust the amount that it feels the bike is worth regardless of what a local shop or the manufacturer might say. If this deters you, you may want to look for a different company.


The Bottom Line

With an extensive history of providing for millions of customers across the United States, Nationwide has become a very common household name in the insurance industry. If you are looking to insure your bike year-round and are in need of a solid insurance provider, Nationwide is definitely a company that you should look into. Get a quote and see if it will work for you.

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