Navigating the Road Ahead: The Importance of Motorcycle Coverage with Waypoint’s Xroads Program

Embarking on the open road with the wind in your face is an unmatched feeling for motorcycle enthusiasts. Yet, this exciting sense of freedom comes with risks—from unexpected accidents to theft and beyond. Ensuring you have robust motorcycle coverage is not just about fulfilling a legal requirement; it’s about protecting your passion, your investment, and your peace of mind as you navigate life’s unpredictable paths.

This is where Waypoint’s Xroads Motorcycle Insurance Program enters the picture, offering a safety net tailored for the riding community.

Coverage Inclusions

All-Perils Protection: At the core, the Xroads program offers full all-perils coverage, encompassing both collision and comprehensive aspects. This broad protection is a safety net against various risks, including accidents, theft, and other damages.

Replacement Cost: For those riding newer models (3 years or newer), there’s an option for replacement cost coverage, ensuring you can get back to riding a brand-new bike in case of a total loss.

Riding Gear Coverage: This policy recognizes the importance of protective gear and includes up to $2,000 coverage per occurrence for riding gear damaged alongside your motorcycle, with options to increase this limit.

Emergency Road Expenses: If your motorcycle is disabled, the program offers up to $200 per occurrence (with a maximum of $400 per policy year) for towing and emergency service expenses, excluding the costs for parts and labour.

One Accident Forgiveness: one loss every three years will not affect safe driving discount

Loss of Use by theft: $40 per day/$800 total limit – coverage responds 72 hours after theft of entire motorcycle.

Enhanced Motorcycle Endorsement: $50 additional premium

Emergency service expense: up to $300/$600 per policy year

Travel protection:

• Delivery of Motorcycle back home for repairs or after recovery $1000
• Additional Living expenses – $1000 for up to 2 people
• Travel costs to return home by most direct route -$1000 for up to 2 people
• Replacement vehicle expense $500 for rented or borrowed when motorcycle has been damaged in an accident

Lock Re-Keying: $1000 to have locks re-keyed or re-coding of transmitter.

While the Xroads program offers comprehensive coverage, it’s important to be aware of standard policy exclusions, such as loss due to rust, wear and tear, illegal possession, war activities, and damage from unauthorized use within your household.

To qualify for the Xroads program, applicants must meet certain criteria, including a minimum of 10 years of holding a valid driver’s license, compliance with licensing requirements, and a clean driving record.

Waypoints Xroads Motorcycle Insurance Program stands out for its comprehensive coverage options and understanding of motorcyclists’ needs. Whether you’re touring, commuting, or enjoying the occasional ride, this program aims to offer the protection and peace of mind you seek.

To learn more about our Xroads Motorcycle Insurance Program, please fill out the form below or call us at 1-866-674-2816 ext. 805 to speak to one of our knowledgeable brokers today.