.svg){kind=icon}
Exclusionary Coverage
The Powersports Protection Plan helps cover the cost of eligible repairs for sudden and unexpected mechanical or electrical breakdowns, less the deductible, except for items listed as exclusions in the service agreement.
Program Details at a Glance
Deductible: $100 per covered repair visit
Available Terms: 24, 36, 48, or 60 months
Eligible: On-road motorcycles, Harley-Davidson motorcycles, scooters, off-road motorcycles, three-wheel motorcycles, youth vehicles, golf carts, personal watercraft, snowmobiles, and eligible equipment
New or used powersports vehicle buyers who want mechanical breakdown protection beyond the manufacturer's warranty.
Mechanical & Powertrain Components
- May help pay for sudden and unexpected mechanical or electrical breakdowns to eligible covered components
- Covered components may include frame, fork, handlebar, wheel hub, brake rotors, controller, main wire harness, charger, throttle, LED displays, powertrain, tractive unit, and high-voltage battery components
- Covered components and eligibility may vary by vehicle type, propulsion type, selected coverage, and add-ons purchased at time of sale
Electrical & Electronics
- Eligible electrical components as listed in the service agreement
- Optional Electronics coverage may include factory or dealer-installed stereo head units, speakers, and amplifiers
- For personal watercraft, coverage may also include GPS units, winches, and fish/depth-finders when eligible
Optional Add-On Coverage
- Payment Reimbursement — May reimburse a prorated portion of the vehicle loan payment when an authorized covered repair keeps the vehicle in the repair facility for more than 10 days. Maximum benefit: $2,500 per contract term.
- Battery — Provides replacement of the vehicle battery if it becomes unserviceable during the contract term.
- Lift Coverage — Covers eligible factory or dealer-installed modified suspension components, up to a 6" lift or 3" lower. Oversized tires up to 35" outside diameter may also be eligible if installed before sale.
- Commercial & Farm Use — Extends eligible coverage to vehicles used for commercial or farm purposes.
- Snorkel ATV/UTV — Covers eligible aftermarket or factory catalog snorkel kits that are manufacturer- or dealership-installed prior to or by the effective date.
- Clutch Coverage — Covers clutch-related items when failure is due to mechanical breakdown and not normal wear and tear.
Common Exclusions
- Pre-existing conditions
- Repairs completed without prior authorization
- Non-covered diagnostic or tear-down charges
- Commercial or farm use, unless Commercial & Farm Use coverage was purchased
- Vehicles with emergency lighting, including police, fire, emergency service, tow trucks, and sanitation vehicles
- Illegal, mismatched, improperly installed, recalled, or modified parts
- Damage caused by improper repairs, improper installation, misuse, neglect, or lack of maintenance
- Maintenance items, fluids, filters, refrigerant, and other consumables
- Rust, corrosion, environmental damage, fluid leaks, water ingestion, carbon, sludge, or chemical build-up
- Clutch-related items, unless Clutch Coverage was purchased
- Damage from accidents, storms, fire, flood, freezing, vandalism, electrical surge, or other outside causes
- Upgrades, modifications, disposal fees, or additional service/equipment fees
- Vehicles modified beyond manufacturer specifications, unless the applicable add-on coverage was purchased
*Important Coverage Notes. Coverage begins once payment is received. New contracts include a 30-day waiting period. Renewals at the end of the contract term do not carry a waiting period. All service work must be authorized by the administrator in advance. Unauthorized repairs are not covered.
For customers looking to protect their powersports investment.
Best suited for eligible powersports vehicles where mechanical and electrical systems are the primary asset worth protecting.
Common Vehicles
Motorcycles — On-Road
Harley-Davidson
Motorcycles — Off-Road
ATVs & UTVs
Scooters
Three-Wheelers
Personal Watercraft (PWC)
Youth Vehicles
Golf Carts
Pre-owned vehicles where factory coverage has expired and the customer wants protection on the mechanical core
New vehicle buyers who want coverage beyond the manufacturer's warranty from day one
Harley-Davidson and touring motorcycle owners — high repair costs make a service contract an easy sell
PWC owners with eligible electronics, GPS, winches, and fish/depth-finders
ATV/UTV customers with eligible lift kits, snorkels, or oversized tires when applicable add-on coverage is purchased
Commercial and farm use operators who need coverage that follows the vehicle into the field
Budget-conscious buyers who want a real contract without paying for systems they don't have
Protect Your Adventures.
Whether you ride on the road, hit the trails, or spend time on the water, a Powersports Protection Plan helps you focus on the journey instead of unexpected repair bills.