Replacement Cost on New FL & FX Models

• If "your motorcycle" is a "total loss" during its "model year" or during the four following "model years" and you elect to replace it, then we will pay to replace "your motorcycle" with a new motorcycle, subject to:
  
  1) Same make
  2) Similar size class; and
  3) Similar body type and factory installed equipment; as "your motorcycle."

Helmet & Riding Apparel

• We will pay up to $1,000 for loss to riding apparel, including a maximum of $400 per helmet. The riding apparel and helmet must be owned by you or a "family member"

Emergency Trouble Service

• We will pay towing and labor costs incurred each time "your covered auto"; or any "non-owned auto"; is disabled up to $100. The Declarations must indicate Emergency Trouble Service - $100, as applicable to that vehicle. This coverage also includes locksmith services performed at the location of vehicle disablement.
• We will reimburse you up to $250 for each accident or disablement involving towing to "your covered auto" or any "non-owned auto". This limit of $250 is for lodging, meals, telephone calls and commercial transportation charges. The accident or disablement of "your covered auto" or any "non-owned auto" must occur over 100 miles from your home; and the trip must be delayed overnight because of the necessary repairs to the auto.

Custom Chrome

• We will pay for damage from a covered cause of loss to permanently installed custom chrome, other appearance related accessories and custom paint not installed by the manufacturer of "your covered misc. type vehicle" if:
  
  1)"Collision" coverage applies to "your covered misc. type vehicle" and the loss is caused by "collision"; or
  2) "Comprehensive" coverage applies to "your covered misc. type vehicle" and the loss is caused by "comprehensive".