What does insurance pay if my motorcycle is stolen?

With standard comprehensive coverage, your insurer pays the actual cash value (ACV) of your motorcycle at the moment it was stolen, minus your deductible. ACV means market value with depreciation applied — not what you paid for it, and not what it costs to replace it new.

Example: you bought a bike for $12,000 three years ago, it's worth $8,000 today, and your deductible is $500 — you'd receive around $7,500. The insurer determines value using sales data and condition; you can negotiate if you have evidence your bike was worth more (service records, low miles, recent tires).

Things that change the math:

• Agreed value policies: common for vintage and custom bikes — you and the insurer lock in a value up front, and that's what gets paid.
• Custom parts and equipment: standard policies often cover only a limited amount for aftermarket parts. If you've added thousands in upgrades, you usually need extra coverage.
• Loan payoff: if you're financed, the lender gets paid first; you get whatever remains.

Read your declarations page so you know which type of policy you have before you ever need it.

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