Moto insurance

JW381
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JW381
Edited Date/Time 1/25/2012 6:16am
For any of you that have insurance on your rides, who do you have do it? Good, bad experiences? Prices, coverage?

My insurer dropped me as of 8/28, so I'm looking for new coverage this week, and was just lookin for some insight.

Thanks
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Torco1
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Torco1 8/20/2010 4:29pm
8/20/2010 4:29pm
This is what I use for theft insurance.......

mxb2
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mxb2 8/22/2010 12:24pm
8/22/2010 12:24pm
Why were you you dropped? and that might determine who your next carrier might be! I have progressive on my bike and receipts for all extra parts i got (aftermarket)You can insure it for as much as you want and the premium will go up! but its peace of mind in case something happens. Call around Geico, Progressive ETC better safe than sorry. Good Luck! Keep us posted. Luckily i have nt had to make a claim.(knock on wood,lol)
JW381
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JW381 8/22/2010 1:41pm
8/22/2010 1:41pm
Thanks, I will for sure. I'm gonna call in to Geico on Monday.
BattlezFMX 8/22/2010 1:55pm
8/22/2010 1:55pm
We started this for my action sports athlete clients A lot of the SX and FMX guys have signed up. Not really a full health insurance plan, but helps if you wreck while riding. Basically pays you a certain amount of cash per injury and for things like ambulance rides, ICU etc.. Helps pay deductibles, out of pockets etc.

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mxb2
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mxb2 8/22/2010 6:00pm
8/22/2010 6:00pm
Yea JW381, I forgot to also mention my coverage includes damage like if I wad the bike up in a race or crash and pay the deductible Progressive will pay for the repairs , (so they say) You can also check state farm, allstate some other insurance companies are gettin into the dirt bike game so they can make some money, but make sure you tell them its a dirt bike that does not require a license plate , because they will try to make u get a title, Hope this info helps man!
DrSweden
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DrSweden 8/22/2010 6:11pm
8/22/2010 6:11pm
Progressive treated me good. But I got a mail from the the other day where they ask for my license plate? WTF? So they are pretty stupid. Hopefully they can deliver despite the usual low function employees that tend to make some experience less.
mxb2
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mxb2 8/22/2010 7:02pm
8/22/2010 7:02pm
Just fyi Dr Sweden i got al letter a few times and i called them and explained the bike was not for the road, and did not require a license or title, I think they got it now but to cover yourself call them and do the same so they don t have motor vehicles hunting you down LOL! I keep all my receipts for my aftermarket stuff also along with piks because i m sure they don t know what the stuff is worth!
Hicky214
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Hicky214 8/22/2010 7:37pm
8/22/2010 7:37pm
mxb2 wrote:
Yea JW381, I forgot to also mention my coverage includes damage like if I wad the bike up in a race or crash and pay the...
Yea JW381, I forgot to also mention my coverage includes damage like if I wad the bike up in a race or crash and pay the deductible Progressive will pay for the repairs , (so they say) You can also check state farm, allstate some other insurance companies are gettin into the dirt bike game so they can make some money, but make sure you tell them its a dirt bike that does not require a license plate , because they will try to make u get a title, Hope this info helps man!
Progressive will not pay if your bike is stolen at a race, or if your bike is damaged at a race or during the race. If you have med pay then you are not eligible for benefits if you are racing. TRUST ME. I sell for progressive and have had to clear this up for several customers, including myself. I had several people at progressive say yeah its covered, but I finally got through to head of claims and no coverage on race day.
JW381
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JW381 8/23/2010 10:39am
8/23/2010 10:39am
Thanks all!
NetMXer
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NetMXer 8/23/2010 10:55am
8/23/2010 10:55am
I've currently got mine insured with Allstate. I've had both Progressive and Geico in the past. I only switched because I was consolidating all my insurance policies to one carrier and Allstate had the best rates/coverage for all my policies combined. I think the dirt bike rates are fairly cheap. Up until August of last year, they treated them like street bikes, now they have special policies just for dirt bikes which only cover theft or damage due to fire and such.
TeamGrnRacer99 8/23/2010 11:22am
8/23/2010 11:22am
Progressive. cost me $75 a year for each 450 they paid me well when the scumbag puerto ricans stole them. didn't argue over anything
mxb2
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mxb2 8/23/2010 11:47am
8/23/2010 11:47am
Hey Hicky214, Why would the agent give me that info then, so am i covered at all? My agent said as long as you use the address you keep the bike 80% you are covered no matter where the bike is! I will call my agent to get more info, because if i m not covered i ll change companies, whats the point of me paying them! Thanks for the updates.
agency399
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agency399 8/23/2010 11:52am
8/23/2010 11:52am
mxb2 wrote:
Yea JW381, I forgot to also mention my coverage includes damage like if I wad the bike up in a race or crash and pay the...
Yea JW381, I forgot to also mention my coverage includes damage like if I wad the bike up in a race or crash and pay the deductible Progressive will pay for the repairs , (so they say) You can also check state farm, allstate some other insurance companies are gettin into the dirt bike game so they can make some money, but make sure you tell them its a dirt bike that does not require a license plate , because they will try to make u get a title, Hope this info helps man!
Hicky214 wrote:
Progressive will not pay if your bike is stolen at a race, or if your bike is damaged at a race or during the race. If...
Progressive will not pay if your bike is stolen at a race, or if your bike is damaged at a race or during the race. If you have med pay then you are not eligible for benefits if you are racing. TRUST ME. I sell for progressive and have had to clear this up for several customers, including myself. I had several people at progressive say yeah its covered, but I finally got through to head of claims and no coverage on race day.
That’s good to know Hicky..........I knew insured’s were excluded for on track physical damage as well as bodily injury while racing. However I was also told by a progressive rep that theft would be covered while at the track.

I would trust head of claims much more than reps…….guys, ask questions and get it in writing when they say something is covered. It’s not that people intentionally lie (maybe they do but I like to give people the benefit of the doubt)………but a lot goes along with insurance and some people just know the product better than others. Like anything I suppose.

Anyway I think progressive has a solid, affordable program. Plus I believe you get up to $3,000 of aftermarket accessories……….so keep your recipes guys! One of the Ladies in our office did one here in NY for a friend of mine and I think the cost was $79 a year for a 2010 Honda CRF 250………full coverage, 250 deductibles.
JW381
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JW381 8/23/2010 12:42pm
8/23/2010 12:42pm
TeamGrnRacer99 wrote:
Progressive. cost me $75 a year for each 450 they paid me well when the scumbag puerto ricans stole them. didn't argue over anything
Wow, That's awesome. I'll definitely hit up progressive.

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