Motocross bike insurance

T-Fish
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T-Fish
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.
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c0ncEpT
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c0ncEpT 10/4/2018 3:51pm
10/4/2018 3:51pm
Progressive. Around $200/year
4
Jeremy Macbeth 10/4/2018 7:22pm
10/4/2018 7:22pm
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.
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T-Fish
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T-Fish 10/5/2018 12:14am
10/5/2018 12:14am Edited Date/Time 10/5/2018 12:15am
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...
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.
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RACERX69
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RACERX69 10/5/2018 4:53am
10/5/2018 4:53am
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.
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slothy
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slothy 10/5/2018 5:35am
10/5/2018 5:35am
i have progressive for my bikes/trailer/cars
kNewc
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kNewc 10/5/2018 5:38am
10/5/2018 5:38am Edited Date/Time 10/5/2018 5:39am
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.
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jrminiquad
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jrminiquad 10/5/2018 5:52am
10/5/2018 5:52am
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.
c0ncEpT
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c0ncEpT 10/5/2018 5:56am
10/5/2018 5:56am
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...
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.
Moto96
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Moto96 10/5/2018 6:34am
10/5/2018 6:34am
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...
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.



RACERX69
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RACERX69 10/5/2018 10:10am
10/5/2018 10:10am Edited Date/Time 10/5/2018 10:10am
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...
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.
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lostboy819
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lostboy819 10/5/2018 12:04pm
10/5/2018 12:04pm
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...
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.
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JB500
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JB500 10/5/2018 12:13pm
10/5/2018 12:13pm
c0ncEpT wrote:
Progressive. Around $200/year
LumpDog841 wrote:
+3 Mine is $180 a year, Geico was like $2000
Same
kNewc
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kNewc 10/5/2018 12:26pm
10/5/2018 12:26pm
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...
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...
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?
Moto96
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Moto96 10/5/2018 12:43pm
10/5/2018 12:43pm
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.

smoothies862
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smoothies862 10/5/2018 4:18pm
10/5/2018 4:18pm
its weird they sponsor a team with that policy stance. I have progressive for theft etc on bike. geico on my camperWhistling it was cheaper that wayHuh

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MX558
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MX558 10/7/2018 7:02pm
10/7/2018 7:02pm
I have Merkal they specialize in bikes ,boats and such . I pay about 500 for my Harley and 2 mx bikes
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kb228
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kb228 10/7/2018 8:30pm
10/7/2018 8:30pm
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...
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
MotoMo165
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MotoMo165 8/5/2019 5:14pm
8/5/2019 5:14pm
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...
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...
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.
soggy
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soggy 8/5/2019 5:18pm
8/5/2019 5:18pm
i would think your home owners/ renters insurance would cover theft.
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gharmon
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gharmon 8/5/2019 5:59pm
8/5/2019 5:59pm
soggy wrote:
i would think your home owners/ renters insurance would cover theft.
Absolutely does NOT cover it. Most homeowners policy cover one motorized maintainence item. This is usually referring to the lawnmower
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langhammx
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langhammx 8/5/2019 6:24pm
8/5/2019 6:24pm
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...
Eddieg15
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Eddieg15 8/5/2019 7:29pm
8/5/2019 7:29pm
soggy wrote:
i would think your home owners/ renters insurance would cover theft.
Nope gotta have separate policy
kNewc
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kNewc 8/6/2019 4:21am
8/6/2019 4:21am
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...
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?
MotoMo165 wrote:
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.
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.
fourfourone
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fourfourone 8/6/2019 4:40am
8/6/2019 4:40am
Progressive for me is 125/year. Basically just have it for theft. Homeowners wont cover most things with engines.
CHaynes
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CHaynes 8/6/2019 4:54am
8/6/2019 4:54am
Allstate has always taken great care of me for all insurance needs. I don't know how much I pay for the year (maybe $180) and never had any issues. Even had to make a claim with no questions asked and they covered everything (snapped a chain that broke engine cases).

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