gap insurance on used bike
YES It is what we do.
Buy what you will - it is your decision as to what works for you. I have several and have had many, each has it's own style and personality. The 2013 and 2017 will never be apples to apples.
Wish you years of riding enjoyment.
Wish you years of riding enjoyment.
Seasoned HDF Member
Joined: Sep 2009
Posts: 17,143
Likes: 6,165
From: SE Michigan
Wait, what was the question?
Oh, gap insurance. No, its not worth it when you're over paying for the bike.
Oh, gap insurance. No, its not worth it when you're over paying for the bike.
Last edited by Keithhu; Mar 13, 2017 at 08:50 PM.
Road Warrior
Joined: Aug 2015
Posts: 1,712
Likes: 410
From: Puyallup, WA
Congrats on buying what you want. If you're happy with the price, then it's worth it.
No, you don't need gap insurance. Gap ins pays the difference between market value and what you owe, if you owe more than market value. You will not owe more than market, so no on the gap.
No, you don't need gap insurance. Gap ins pays the difference between market value and what you owe, if you owe more than market value. You will not owe more than market, so no on the gap.
Like I said never had it - I guess Gap sound better than Upside Down Insurance.
Tourer
Joined: May 2013
Posts: 362
Likes: 13
From: Okinawa, Japan
if the Gap insurance is at the wholesale/auction/black book price you should consider...I have no idea how it is now but with my Geico long ago it only was at black book value.....could be a good question....
buy what you like, Harley's are an investment the retail value doesn't drop as fast as the depreciation....check you'll see. You can get leather bags, hard bags, it don't matter....once you get it you'll never be done changing it anyway...FLHRC, soft bags, basket weave trim, same bike as a FLHR....just trim.....I have both hard and soft bags, I live on an island.....I spend more time polishing chrome than you could EVER imagine......but I also love what I have......
buy what you like, Harley's are an investment the retail value doesn't drop as fast as the depreciation....check you'll see. You can get leather bags, hard bags, it don't matter....once you get it you'll never be done changing it anyway...FLHRC, soft bags, basket weave trim, same bike as a FLHR....just trim.....I have both hard and soft bags, I live on an island.....I spend more time polishing chrome than you could EVER imagine......but I also love what I have......
Last edited by damquick1; Mar 14, 2017 at 06:14 AM.
HDF Community Team
Joined: Mar 2017
Posts: 7,824
Likes: 4,383
From: Texas
smart decision......the GAP insurance is only a one time fee...probably only $100 bucks or so?
my 2012 only has 2500 miles on it....I get offers all day long to give me $15k....add in all the extras we dump on a bike, plus the love that has gone into it for polishing and upkeep......it's worth every bit of $15K
my 2012 only has 2500 miles on it....I get offers all day long to give me $15k....add in all the extras we dump on a bike, plus the love that has gone into it for polishing and upkeep......it's worth every bit of $15K
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Tourer
Joined: Feb 2017
Posts: 379
Likes: 102
From: Illinois
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Road Warrior
Joined: Sep 2013
Posts: 1,926
Likes: 193
From: ohio
I don't know if this pertains to you, or not, but i insured my bike, when new, and still carry a monetary value for replacement. If my bike is totaled, or stolen , i get paid what i stated i wanted it insured for replacement. Some Ins. co. don't offer this, but i thought i'd throw it out there