Yes! Some insurance companies have the ability to manually type in a type of vehicle/motorcycle model. All they are doing is adding the name “Arcimoto” to your policy print outs but it does not change their definition of a motorcycle on that policy. An Arcimoto is NOT a motorcycle by their definitions so it does not work.

Insurance is a legal contract between you and the insurance company. The insurance company defines a motorcycle with specifics as having ccs, a gas engine, and/or having 2 wheels, etc.

As you know, an Arcimoto is fully electric so it does not have any ccs or a gas engine and it has 3 wheels instead of only 2. So by definition of your insurance contract, the unit you are purchasing coverage on is not an Arcimoto at all but something else entirely. This gives them the full legal right to deny any accidents and claims on your Arcimoto since it is not actually covered.

When you start such a policy with another company, their system often forces them to put in ccs, which they may only put in 1 since it has none and at the end of the application for coverage you sign it stating all the information is correct. By this they also have the legal right to deny you coverage because you technically lied/gave incorrect information on your application for coverage.

You cannot sign for a policy that defines the item you are getting coverage on as having ccs, a gas engine, or 2 wheels. Any one of these items will completely void your insurance contract.

No, it does not work at all. Honey run, and run fast. That policy is not accurate and it would seem you are being served by a company that is knowingly putting wrong information on your application of insurance which can legally void the whole policy.

Be served by someone better who does not cut corners and is not lazy. This way your coverage is not in any jeopardy.

Yes! If the sales person did not double check with their underwriting guideless and just made an assumption, then yes, you really need to double check if you have an accurate policy. When we checked they all told us they could do it and their “yeses” all became “nos” after we forced them to check.

Because by that insurance companies definition of a motorcycle, it is highly likely an Arcimoto does not technically fit into that category which means you will be paying for a policy that is not covering your Arcimoto at all.

The main and scary point: ALL the insurance companies we called for a quote or to see if they had a policy option for an Arcimoto all said yes and ASSUMED it would work and be covered under a motorcycle policy. These people are sales people taught to sell and start policies. They are not policy experts. We had to be very firm and force most of them to check with their underwriting guidelines/definitions of how they define a motorcycle. After they checked, all those “yeses” became “oh, no actually that does not work. No we do not have a policy option for it.” After they were all going to give us policy to start.

Because we do things right the first time. We do no make assumptions and spent almost two years partnering with Arcimoto and asking an immense number of questions how it is built etc. to work with our underwriting and product teams to have a policy option created specifically for Arcimoto units. We do not cut corners and have a policy that contractually and legally works. Unlike so many that will be denied coverage from an incorrect policy.

Yes, we are happy to double check for you since we have created a cheat sheet of what companies and policies that legally and contractually work to give you coverage. Just email it over and we will reply back letting you know the results so you don’t have to get stuck on the line with a sales person or underwriting to check for you.

An Arcimoto policy was created specifically for Arcimoto units, so by definition of its build and makeup (having no ccs, no gas engine, 3- wheels etc.) it is defined accurately for what you are needing coverage on.

In contrast most insurance policies define a motorcycle as having only 2-wheels or having ccs, etc. So by definition a motorcycle policy does not work and will not actually give you coverage if you are in an accident, even if you have been paying for a policy.

Your price will be based off many factors including the following:

-Your driving record and the record of others who will also be on the policy
-Your location: a big or small city, how much traffic is usually around, and the overall number of accidents in the area)
-How much coverage you choose to have: Whether that’s just basic state minimum liability limits or full coverage, and/or higher limits of liability coverage. These all make a significant pricing impact.We are happy to put together a quote that is specific to you, even if you are just considering an Arcimoto for now and have not purchased one. We fully support and encourage pre-planning and research! Getting a quote that is specific to you is the best way to plan accordingly.

Because we took the time to have a policy created specifically for Arcimotos instead of trying to fit it into an already existing policy that was created long before Arcimoto was even an idea. Trying to fit them into a policy with definitions that did not yet exist does not work.

Yes, we certainly do. Just let us know what special features and customizations you have added and we will be sure to add them on for you.

Yes, we have the ability to start a policy for a future date so you have coverage ready for your delivery day so you are not scrambling day of to get coverage but can just enjoy your new ride!

For example, say today is the 1st but you get it on the 10th . On the 1st we can start your policy as of the 10th and give you all the proof of coverage you need so you are good to go on the 10th.

States we do offer Arcimoto coverage and where Arcimotos are particularly popular Oregon, Washington, California, Idaho, Texas, Arizona and Florida.

All states in the US except for Hawaii and Massachusetts. If you live in one of these states, feel free to give us a call or shoot over an email and we can refer you to an agent in your state were we have verified has an accurate policy option.

Yes! We have policy options for businesses with different types of uses including the following:

-Rental operations with customers driving around·

-Delivery with managers and employees driving delivering food and other goods·

-And simply business branding for an individual like a realtor or solar panel salesperson. Someone who may not have any employees but wants to wrap their Arcimoto with their business name to help spread awareness.

It’s very important to ask about business branding when getting insurance. Most companies exclude any short of business use, even if it is just a wrap.

Yes, you can get full coverage and we recommend it since your Arcimoto is likely worth close to $20,000 or higher.

There are different payment options depending on your total price and what state you are in. Typically the payment options are 1, 2, 4, and 12 payment options. But some states have a 1, 3, and 6 pay option.

Most forms of payment are accepted. Debit, credit, visa, master card, American express, cash, check, e-check.

Yes! But of course. As there should be. Once you are a client and have coverage with us, you will have access to our fantastic and kind 24hr customer service and claims service departments.

We offer specialized towing and roadside assistance coverage for your Arcimoto. Arcimoto does automatically provide towing coverage through your vehicle warranty program with Agero, however, only a flat tire or a tow needed due to a malfunction may be covered.

If you are in an accident and need a tow, you would either pay out of pocket or need coverage on your policy with us. Other events not covered by the Arcimoto warranty are running out of battery power, extraction – stuck in mud, vandalism, and others.

It’s a good idea to add our towing coverage if you want to be covered for more instances than only a malfunction or a popped tire.

There are many options and some depend on what state you are in. Some of the option are: multi-line/bundling discount, having a history of driving motorcycles (since they are similar and we like experience), if you keep it in a locked structure (as simple as a garage) so it is not easily stolen, if you have added an anti-theft devise or a theft recovery device, etc.

AAA, Allstate, Bristol West, Esurance, Farmers Insurance, Geico, The General, Liberty Mutual, USAA, and the list goes on. Keep in mind many of these companies offer morotcycle insurance, but the Arcimoto does not work for their policy options.

Buyer beware! You have to be very specific with your questions of coverage to them and making sure they check their definitions to see if it works.

As of September 2022