I have state farm for home and cars etc.
They have no bike roadside coverage so we got a AAA tow card.

Works great as we have used it to many times on a custom trike. Rebuilt the motor and rewired the whole thing. So no more tows, LMAO

Real question is how to best insure the trike and my FXSTC that has 14k in just add ons.?????

FULL REPLACEMENT value is what we want. Has anybody found a GOOD company to do this?

Thanks Guy's

 

I use progressive with extra coverage for custom parts and accessories. I dumped my sportsters years ago, they ended up paying for the value of the bike and all of the custom parts. The cost is more than what you might pay elsewhere, but they were great with customer service and quick with a check.

 

Thanks for the feed back.
My State Farm agent is talking NADA value and depreciation and I am telling him full replacement value.

We're your extra custom parts depreciated? As well as your bike? We're you able to replace your bike and parts with just the deductible paid?

I was thinking about checking liberty mutual and naming my bike Brad. Like the Gal in their commercial! LMAO

There is a lot of cost in the labor of installing the parts. 5 hours just on the inverted forks that cost 1800 bucks math says that's 2300 buks. I got a blank stare from my agent . That scared me.

Any body else can comment?

 

I'm going to follow this because I'm also looking for insurance for a custom but I'm in a different boat than most.
I won a 40k (on paper) so I'm thinking I don't need to cover it for the hole 40k....I just can't decide on a amount.

 

I have progressive on my chopper. I have it covered for $24,000 cause that is what I paid for it. I inquired about dropping it to a more recent value but it was very minimal difference in premium. So..... I continue to pay what I feel the bike is worth. No questions asked from Progressive... you pay for whatever coverage you want. Only company I could find that allows you to determine the coverage.