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Polaris GAP Coverage

Coverage in the event of a total loss due to accident or theft

  • If your motorcycle is considered a total loss due to an accident or theft, your insurance may not cover all of the costs.
  • In most cases insurance only covers the actual cash or market value of your vehicle, not your remaining loan balance.
  • The result is a financial gap for which you are responsible and could mean thousands of dollars out of pocket for a vehicle that you don’t have or can no longer drive.


The amount waived may vary and is subject to limitations and exclusions. Please see the GAP Addendum for all terms and conditions.

Program Highlights

  • Covers the difference between your outstanding loan balance and your primary insurance settlement.
  • Gap coverage remains intact if your primary insurance coverage lapses.
  • GAP coverage up to 84 months.
  • Covers primary insurance deductible up to $1,000.
  • Maximum amount waived under GAP coverage is $25,000.
  • Maximum financed amount is $50,000.
  • Underwritten by an A- (Excellent) or better rated carrier.


Coverage available for any new or pre-owned Indian Motorcycle®. Not Purchasing an Indian Motorcycle? Indian Motorcycle® GAP Coverage can also be applied to most financed new or pre-owned ATV, UTV, motorcycle (sport bike, cruiser/touring or off-road), 3-wheeled roadster, scooter, snowmobile, youth vehicles, personal watercraft, sport boat (length overall not to exceed 24 feet), or Polaris GEM® Electric Low-Speed Vehicle. 

Coverage Not available in New York or Canada. Please contact your dealer for program questions and pricing.

Need to file GAP claim or cancel your GAP Coverage? Please call 1-866-530-8558 to start the process.