Posts: 2409
Joined: 12/14/2009
Location: Sparta, WI USA
I go through State Farm for insuring my motocross bikes and figured I’d call Geico to get a quote. They won’t insure them in any way, shape, or form because I race a couple of times a year.
Where do you folks go, and who would you recommend me calling for quotes? And yes, I know this has been brought up before.
Posts: 1073
Joined: 5/13/2015
Location: Utica, MI USA
Progressive. Around $200/year
Race Bike: 2018 KTM 350SXF
Other Bikes: 1985 CR80R, 1990 CR250R, 1998 PW80, Specialized Fuse Comp 29.
Sold: 2016 YZ250F, 2012 CRF250R
Posts: 782
Joined: 6/12/2018
Location: OR, USA
Your insurer does not need to know you "race" your motorcycle. You're only insuring your dirt bike in the event of a total loss (or if you get in an accident on the way to a ride and your bike is damaged).
Why leave State Farm? The price to insure an off-road vehicle is the same just about anywhere.
Posts: 592
Joined: 9/9/2014
Location: NJ, USA
Posts: 2409
Joined: 12/14/2009
Location: Sparta, WI USA
Edited Date/Time:
Jeremy Macbeth wrote:
Your insurer does not need to know you "race" your motorcycle. You're only insuring your dirt bike in the event of a total loss (or if you get in an accident on the way to a ride and your bike is damaged).
Why leave State Farm? The price to insure an off-road vehicle is the same just about anywhere.
I may not leave State Farm. I am pulling my muscle/classic cars from them and switching to Grundy because they offer superior coverage in comparison to SF. I’ve really never been one to shop around when it comes to insurance but I feel it may be beneficial to do so, that’s all. Worst case scenario is that I stay with SF.
What may be a little bit for one vehicle adds up when you’re insuring 5 vehicles, 5 motorcycles, a snowmobile, and a bunch of other shit. Just by switching to Grundy with the muscle/classic cars I’ll save several hundred a year. Other companies may help me save more, but I won’t know if I don’t look into it.
Posts: 1244
Joined: 10/14/2017
Location: 86oh, CT USA
Posts: 777
Joined: 4/1/2008
Location: TX, USA
I use Progressive. Cost is $105 per year, which is full coverage. Btw, don't think there is any insurance company who will cover a bike if your racing or riding on a track.
Posts: 202
Joined: 10/9/2016
Location: Saint Clair Shores, MI USA
Posts: 428
Joined: 12/12/2016
Location: CO, USA
Posts: 473
Joined: 3/17/2017
Location: IN, USA
Edited Date/Time:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
Posts: 56
Joined: 7/9/2013
Location: Salem, OH USA
Have had Geico the last few years, $99/year covers two new dirt bikes for comprehensive (fire/theft) and a street bike with liability only.
Posts: 1073
Joined: 5/13/2015
Location: Utica, MI USA
RACERX69 wrote:
I use Progressive. Cost is $105 per year, which is full coverage. Btw, don't think there is any insurance company who will cover a bike if your racing or riding on a track.
Agreed. The only reason I insure mine is in case of theft.
Race Bike: 2018 KTM 350SXF
Other Bikes: 1985 CR80R, 1990 CR250R, 1998 PW80, Specialized Fuse Comp 29.
Sold: 2016 YZ250F, 2012 CRF250R
Posts: 673
Joined: 8/9/2018
Location: CAN
kNewc wrote:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
The agent might be(Dont trust the agent, everything is FINE and Covered to sell you a policy), but when it comes time for a claim, the insurance adjuster knows the fine print. They can be a friend or foe.
My post is my opinion. If you don't agree with it, I'm OK with it.
Posts: 777
Joined: 4/1/2008
Location: TX, USA
Edited Date/Time:
Moto96 wrote:
The agent might be(Dont trust the agent, everything is FINE and Covered to sell you a policy), but when it comes time for a claim, the insurance adjuster knows the fine print. They can be a friend or foe.
Exactly correct! I actually had a claim due to an accident I had on a 15' KTM 250XC and the adjuster from Progressive absolutely grilled me regarding location and the particular type of riding I was doing. He point blank asked if it occurred during "a competition" or if I was on an MX track. Said if I was, the claim would be rejected.
Posts: 9350
Joined: 8/16/2006
Location: CO, USA
kNewc wrote:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
Yep the agent will tell you whatever you want to hear to get you to buy the policy but when claim time comes around the adjuster will stick it to you no matter what the agent said. Read the policy and understand it.
Ed Johnson
Posts: 171
Joined: 7/14/2018
Location: IN, USA
c0ncEpT wrote:
Progressive. Around $200/year
LumpDog841 wrote:
+3 Mine is $180 a year, Geico was like $2000
Same
Posts: 473
Joined: 3/17/2017
Location: IN, USA
kNewc wrote:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
lostboy819 wrote:
Yep the agent will tell you whatever you want to hear to get you to buy the policy but when claim time comes around the adjuster will stick it to you no matter what the agent said. Read the policy and understand it.
I hope she's my adjuster then lol. Has anyone had a successful claim for a theft on a motocross bike?
Posts: 673
Joined: 8/9/2018
Location: CAN
Bikes are no different than a car. If you take your car to street car strip night at the local 1/4 mile and wreck it, you're fucked.
There are clauses in all the fine print that the adjusters will use to deny the claims. "Exhibition of speed" is one frequently used.
"Closed Course" or Competition, stuff like that. Even praciticing at a 'Raceway" would fall under exhibition of speed.
My post is my opinion. If you don't agree with it, I'm OK with it.
Posts: 2008
Joined: 3/18/2014
Location: OH, USA
its weird they sponsor a team with that policy stance. I have progressive for theft etc on bike. geico on my camper
it was cheaper that way
If I'm healthy enough to complain. I shouldn't be complaining.
Posts: 1161
Joined: 4/1/2008
Location: USA
I have Merkal they specialize in bikes ,boats and such . I pay about 500 for my Harley and 2 mx bikes
Posts: 6705
Joined: 11/30/2013
Location: Portland/Los Angeles, CA USA
Posts: 5500
Joined: 1/31/2018
Location: Mansfield, OH USA
kNewc wrote:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
X2. Dont ever say the word “racing” with any kind of insurance. Auto no coverage lol
Posts: 1401
Joined: 4/3/2014
Location: TX, USA
kNewc wrote:
I went through Progressive and for me (theft only) is $75 a year per bike. That also covers "total loss". Deductible is $500. They will NOT cover it if it races. I straight up told them I ride on motocross tracks all the time but never race and they were cool with that.
lostboy819 wrote:
Yep the agent will tell you whatever you want to hear to get you to buy the policy but when claim time comes around the adjuster will stick it to you no matter what the agent said. Read the policy and understand it.
kNewc wrote:
I hope she's my adjuster then lol. Has anyone had a successful claim for a theft on a motocross bike?
So theft insurance is a lie? Has anyone ever experienced it working out in their favor? Like getting some sort of money for the stolen bike.
Posts: 1070
Joined: 12/3/2018
Location: UT, USA
Posts: 10990
Joined: 6/5/2015
Location: TX, USA
Posts: 1923
Joined: 4/1/2008
Location: Valley, AL USA
Posts: 6359
Joined: 5/5/2011
Location: Santa Clarita, CA USA
kkawboy14 wrote:
Add it to your homeowners
Nope
Any motorized vehicle has to have its own policy.
I have 2 street legal bikes with Progressive and 3 red sticker bikes as well.
My red sticker bikes cost me about $400 a year, but I have $10K if extras coverage on them, in case of theft/ fire/ total loss. I am also covered with comp/ collision on them, in case of an accident out on the trails. Medical insurance as well...
Posts: 225
Joined: 1/26/2018
Location: Pontotoc, MS USA
Posts: 473
Joined: 3/17/2017
Location: IN, USA
lostboy819 wrote:
Yep the agent will tell you whatever you want to hear to get you to buy the policy but when claim time comes around the adjuster will stick it to you no matter what the agent said. Read the policy and understand it.
I know at least one guy that has had their bikes stolen and got paid for them through similar insurance. It's worth the $75 a year IMO.
Posts: 1244
Joined: 10/14/2017
Location: 86oh, CT USA
Progressive for me is 125/year. Basically just have it for theft. Homeowners wont cover most things with engines.
