Comprehensive Insurance
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Road Warrior
Joined: May 2017
Posts: 1,343
Likes: 2,058
From: Phoenix
Comprehensive Insurance
After reading about bikes lost due to fire and theft I'd like to get the word out that just adding comprehensive insurance without adding collision to a basic liability insurance policy is a cost friendly way to insure our bikes. Comprehensive Insurance adds about $40 year per bike to my policy
Comprehensive insurance, also known as "other than collision" coverage, protects your vehicle from damage that isn't caused by a collision with another vehicle or object. It can cover a variety of incidents, including:
Comprehensive insurance, also known as "other than collision" coverage, protects your vehicle from damage that isn't caused by a collision with another vehicle or object. It can cover a variety of incidents, including:
- Theft: Theft of the entire vehicle or parts of it
- Glass damage: Broken or cracked windshields
- Fire: Damage from fire or explosions
- Falling objects: Damage from falling trees, limbs, or other objects
- Natural disasters: Damage from floods, hurricanes, tornadoes, lightning, and earthquakes
- Accidents with animals: Damage from hitting a deer or other animal
- Vandalism: Damage from vandalism or civil disobedience, like riots
- Storm damage: Damage from hail, wind, or other storms
Road Master
Joined: Oct 2019
Posts: 932
Likes: 592
From: Connecticut
$40 a year, or a total loss. Comp is cheap, and they'll write a check, generally.
Plus it covers animal strikes, in deer and bear country that's worthwhile.
Of course depends on the bikes value to begin with. Also whether you include the customized bits as well.
Plus it covers animal strikes, in deer and bear country that's worthwhile.
Of course depends on the bikes value to begin with. Also whether you include the customized bits as well.
Seasoned HDF Member
Joined: Mar 2010
Posts: 21,100
Likes: 7,625
From: Poolville
As cheap or not as it is here in New York, I still have full collision with fire and comp on a stated value to make sure I don't get ripped off by the insurance companies..
Comprehensive will not replace full value of our Evos. The cost to repair an Evo today will out weigh the market value of the bike so to not have collision would be stupid..
Comprehensive will not replace full value of our Evos. The cost to repair an Evo today will out weigh the market value of the bike so to not have collision would be stupid..
Seasoned HDF Member
Joined: Dec 2005
Posts: 19,899
Likes: 8,006
From: poway
As cheap or not as it is here in New York, I still have full collision with fire and comp on a stated value to make sure I don't get ripped off by the insurance companies..
Comprehensive will not replace full value of our Evos. The cost to repair an Evo today will out weigh the market value of the bike so to not have collision would be stupid..
Comprehensive will not replace full value of our Evos. The cost to repair an Evo today will out weigh the market value of the bike so to not have collision would be stupid..
Don't know what you pay but with owning 6 bikes, if I don't pay for collision on 6 of them in 10 years I've made enough to buy another..
Seasoned HDF Member
Joined: Mar 2010
Posts: 21,100
Likes: 7,625
From: Poolville
Anything's possible where you live, I pay $270 a year for two bikes with full coverage.. I think it's well worth it..
HDF Community Team
Joined: Dec 2011
Posts: 8,557
Likes: 3,978
From: San Diego, CA
I have full coverage with Drive Insurance in Kalifornia. $156 per year. Thats with collision and comprehensive.
John
John
Last edited by John Harper; Sep 24, 2024 at 06:40 PM.
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Seasoned HDF Member
Joined: Mar 2010
Posts: 21,100
Likes: 7,625
From: Poolville
No I don't.. I never have on any of my vehicles. Do you think it's something I should look into because I know there's a portion of people that are way underinsured or not even insured.. There is a lot of crap out there.....