Roamly offers the following coverage options:

- Full replacement cost

Ensures your motorcycle is restored to its pre-accident condition or better. Example: Your three-year-old exhaust system is damaged in a covered incident. They’ll cover the cost of a new replacement— such as a $500 brand-new exhaust, not just its depreciated value of $200.

- Roadside Assistance

Ensures that if your motorcycle breaks down anywhere in the United States or Canada, they’ll tow it to the nearest repair shop at no cost. Additionally, you can opt for trip interruption coverage, which reimburses up to $500 for expenses like food, lodging, or transportation if you’re away from home.

- Accessories and Custom Parts

You have the flexibility to choose the amount needed to customize or restore your bike. With comprehensive and collision coverage, Roamly automatically includes up to $5,000 for upgrades, customizations, equipment, and accessories. If more coverage is needed, you can increase it accordingly. Example: Your bike came with $3,000 of aftermarket saddlebag upgrades when you purchased it. If the saddlebag is damaged in an accident, your accessory coverage will replace it.

When it comes to motorcycle types, Roamly offers coverage for the following motorcycle types: standard road/street, touring, sport/high performance, dual sport/adventure, trikes and cruisers.

Roamly does not have an A.M. Best rating, but the companies that underwrite Roamly have received favorable A.M. Best ratings. Roamly is underwritten by several companies, including Allstate, which has an A+ A.M. Best Rating, and Spinnaker Insurance, which has an A- A.M. Best rating.

Roamly has leaned on technology to provide service to prospects and customers, from its on-demand quote generator to allowing consumers to purchase insurance online without contacting an agent.

Online reviewers note that once you purchase your policy, the claims process is relatively straightforward. You can submit claims through the website or by email or phone. From there, a claims representative will contact you within one business day to start the evaluation and payment process.