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About this Product

Calvos Insurance understands the special needs of Motorcycle owners. Which is why we carry reliable motorcycle coverages at a competitive price. Covering a variety of motorcycles including Street Sports, High Performance bikes, Cruisers and Scooters, we'll be sure to meet the needs of most motorcycle owners. Be able to ride with confidence knowing that you are protected with Calvos.

Product Coverage

Standard Coverage

Standard Coverage includes three types of insurance: Liability, Comprehensive and Collision.

Automobile Liability Insurance pays for losses of other people, which you cause unintentionally or through your negligence. It includes Bodily Injury Liability Coverage, which pays the medical costs of others and your legal defense costs if required, and includes Property Damage Liability Coverage, which pays claims against you if you damage someone else's car or property.

Liability limits are expressed as follows: For example, basic liability Limit is $25,000 per person subject to a maximum of $50,000 per accident, and the Property Damage Liability Limit is $20,000 per accident.

Liability Insurance is required for all registered vehicles under Guam's Mandatory Automobile Liability Insurance Law (P.L. 20-216).

Comprehensive and Collision insurance provides coverage for your vehicle up to its Actual Cash Value or Depreciated Value at the time of a loss.

Comprehensive and Collision coverage's are usually required by loan institutions if you have a auto loan.

Collision Insurance will pay for damage to your vehicle caused by a collision with another car or object.

Comprehensive Insurance will pay for damage to your car not already covered by Collision Insurance such as fire, theft, vandalism, explosion, falling objects (coconuts, tree branches, etc..) and earthquake. Damage due to Typhoon or Flood is NOT COVERED by Comprehensive Insurance.

Comprehensive and Collision Insurance include Deductibles. The deductible is the amount you agree to pay for each loss. This amount is usually subtracted from the total amount paid on your claim. The standard deductible for motorcycles are 1000/1000 ($1000 for Comprehensive and $1000 for Collision).

Please see reference Endorsement No.11 Motorcycle and Scooter Passenger Exclusion Clause.