Bike Insurance

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Jan 28, 2005 | 08:14 PM

#21

pococj

Seasoned HDF Member

Joined: Dec 2004

Posts: 11,068

Likes: 1,477

From: Texas! Ya mean there's someplace else?

RE: Bike Insurance

Quote:

ORIGINAL: Ironhead

Ok... what's the difference Skip?

Probably the coverage. I don't have full coverage 'cause it's a paid off 18 year old bike. I have Liability (required), Other Than Collision (Comprehensive), Custom Parts or Equipment, Towing and Labor. I was wron on the price, though; it's $137 per year.

As far as theft, the bike is covered under my homeowners policy while at the house. It's covered by .357 Smith & Wesson while on the road.

Jan 28, 2005 | 08:28 PM

#22

Ironhead

Stellar HDF Member

Joined: Oct 2004

Posts: 3,193

Likes: 2

From:

RE: Bike Insurance

That's still inexpensive Skip. I have full coverage with underinsured and uninsured and I'm paying like twice that a year, for this old Ironhead.

Jan 29, 2005 | 10:13 PM

#23

Danester

Road Master

Joined: Jan 2005

Posts: 1,021

Likes: 0

From:

RE: Bike Insurance

Quote:

The dealer wanted $410 for GAP insurance. I asked the credit union and they only want $176

So if ya finance somehwere besides through Harley ask them about GAP insurance, dont just accept what the dealer offers.

That's a good one there!

I went with HD financing - -so I didn't shop around on that one....They did beat my overall C/U rate, so for the conveinience, I went with HD..

Either way - -make sure you get GAP on a new ride! This is from experience with a fellow chapter member, who got laid up for life...the ins. crapped on him, so our chapter did some charity rides to pay off the difference he owed and what the ins. failed to pay...it literally was thousands...sad thing

Jan 30, 2005 | 01:24 AM

#24

Pelonz

Stellar HDF Member

Joined: Jan 2005

Posts: 2,669

Likes: 3

From: SoCal - 661

RE: Bike Insurance

We have State Farm, wifes neice is our agent so I think $ are fair. Having been in the Body Shop business for awhile companies that people bragged about getting a great deal with were a real PIA when it came time for a claim wont mention any names but as the saying goes "you get what you pay for".

Another issue with MC's is that you dont have a grace period.....You can buy a car on Sunday and call your agent on Monday and you were covered, not with MC's I was told that I wasnt covered until I called.