PowerSports Protection

Protect your toys
A vehicle protection plan (VPP) can cover motorcycles, snowmobiles, ATVs, personal watercraft, side-by-sides and more. Below are the plan details.

Cover your motorcycle, ATV, snowmobile, side-by-side and more


Coverage options are available on powersport vehicles that are ten years old or newer. Agreements can be written on any of the following makes: Aprilia, Arctic Cat, Buell, BMW, Can-Am, Ducati, Harley Davidson, Honda, Husqvarna, Hyosung, Kawasaki, KTM, Moto Guzzi, Piaggio, Polaris, Suzuki, Triumph, Vento, Vespa, Victory, Yamaha and more.

Please call for approval on agreements that do not fit these guidelines. No deductible on covered parts and labor. All plans include roadside assistance and a 60-day money-back guarantee.

Engine size 0-500 CC
501+ CC
0-500 CC
501+ CC
18 months $520 $565 $735 $785
40 months $755 $845 $1,000 $1,100
BMW, Buell, Ducati, Harley Davidson, Polaris and any Diesel  $200 Surcharge


What's covered:

Internally lubricated parts consisting of camshaft(s), crankshaft, balance shaft, bearings, cam chain guide and tensioner(s), connecting rods and bearings, cylinder block, main bearings, intake manifold, oil pump and gears, pistons, piston rings, wrist pins, cam chain and gears, cylinder heads, intake/exhaust valves, valve springs and retainers, push rods, rocker arms and shafts, hydraulic lifters, valve shim bucket (excluding shims), flywheel cam followers, engine mounts, and cam cover and rocker covers.

Automatic transmission
Internally lubricated parts consisting of gears, clutches, shafts, bearings and the transmission case.

Manual transmission
Parts consisting of bearings, bushings, gears, shafts, shift forks, synchronizer drums, clutches, clutch springs, pressure plates, throwout bearing, linkage, cables, shifter, electronic switches, solenoids, clutch master/slave cylinders, and transmission parts consisting of gears, input and output shafts, bearings and overdrive housing.

Drive axle assembly (shaft drive only)
Internally lubricated parts consisting of bearings, locking rings, supports, retainers, driveshaft, carrier bearing, universal joints, axle, carrier assembly, cv axle, ring and pinion gears, side carrier bearings, axle bearings, pinion bearings, differential housing and final drive housing.

Internally lubricated parts of the hydraulic system consisting of the master cylinder, disc brake calipers, wheel cylinders, and steel brake lines. Coverage does not include linings, rotors, pads, drums, brake hoses or hardware.

Radiator, water pump, thermostat, coolant temperature sensor, electrical radiator fan and coolant recovery container. Hoses are not covered.



Electronic control module, alternator, electric horn, starter motor, starter drive assembly, starter solenoid, voltage regulator, stator, rotor, ignition coil, rectifiers, electronic ignition module, cam position sensor, crank position sensor, engine head temperature sensor, oil pressure sensor, oil temperature sensor, speedometer sensor, gauges (OEM only), handle bar switches (OEM only), neutral safety switch, and front and rear stop lamp switches. Light bulbs are not covered.

Fuel system
Injectors, carburetor, metering valve, fuel pump, metal fuel lines, fuel fittings, petcock (OEM only) and fuel gauge sending unit.

Fluids as a result of a covered repair.

Stem, stem nut, upper and lower stem shaft bearings, bushings, tie rod ends, power steering pump and rack and pinion.

Front fork tube consisting of fork tube, swing arm, shafts, front and rear hubs, bushings and spindles. Shock absorbers are not covered.

Touring equipment
Original equipment manufacturer (OEM) only. Saddlebag latches, hinges, brackets; travel trunk latches, hinges and brackets.

Seals and gaskets
Cylinder head gaskets. All other seals and gaskets are covered only in conjunction with covered listed components. Exhaust gaskets are excluded.

Protect your sport vehicle today

Purchase a vehicle protection plan (VPP) any time—even if you don’t have a vehicle loan.* It can also be financed into a new or existing auto loan from Mountain America. To see if your vehicle qualifies for a VPP, call us at 1-800-748-4302.

*VPP is considered insurance coverage in some states. The purchase of VPP is optional. Whether or not you purchase VPP will not affect your application for credit or the terms of any existing credit agreement you have with our institution. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under VPP. You should carefully read the contract for a full explanation of the terms.