Insurance

[Beach Bagger]

Do you guys have Insurance on your bike for the just "stock" bike's value, or do you buy overage to cover the extras? I looked into upping my bike's insurance awhile ago to cover the majority of my extras just in case something happened to the bike. After receiving the quote I opted not to purchase it. I was just curious what others did to protect their investment.

Adam

 

[Badgerbob]

So far just running normal insurance. Stay here I think I will have to up it alot more. LOL.

 

[Beach Bagger]

I agree. God forbid some numb idgit backs over my bike....I want as little out of pocket as possible to chop the neck of my bike and set it up with a sweet 26"

 

[Bill]

I have stock "for an Ultra" plus 10k. May go to 15k at some point.

Having this coverage can save your wallet in the event of a total loss.

Sent from my ADR6400L using Tapatalk

 

[soundzinstall]

Do you guys have Insurance on your bike for the just "stock" bike's value, or do you buy overage to cover the extras? I looked into upping my bike's insurance awhile ago to cover the majority of my extras just in case something happened to the bike. After receiving the quote I opted not to purchase it. I was just curious what others did to protect their investment.

Adam

You can do a "stated value" insurance as well. They charge you for it though!

 

[ILLEGAL REGAL]

Can insure at an appraised value or you can also do an insurance bond for the value.


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[Buggy]

My geico policy covers up to 2k in extras then I can add more if I want. I learned after a wreck about it but I did ok cuz the old lady had good coverage

 

[Bagged64]

My progressive has $3000 built in, but I added more.

 

[Classic$98]

I have American families "Chrome" coverage. Is is just their add on program. I think I am going to have it appraised this year.

 

[vrog]

Only place that i could find to insure it was progressive. All the other specialty places have this thing about it being over 38 or 40 degree rake. In the end I ended up with progressive and if it gets stolen I get $65K. It was the most that they were allowed to do. My insurance went from $600 - $1,200 a year.

 

[InMotionJosh]

Funny for this post to come up today huh Roger...

 

[YYAZZ]

I did like vrog just not as much. I have progressive with a stated value of 50. I pay 800 a year. I lost my ass back in 97a when my ironhorse got stolen. Expensive lesson to ride that shiny pos

 

[vrog]

Funny for this post to come up today huh Roger...

Yeah perfect timing for you. Maybe some others can post up where and what they got so you can do a little research.

 

[thecort]

I have it insured for $30,000. $1,500 yr Allstate

 

[coolerman69]

I have state farm. I asked about extra coverage just last week. My agent told me to keep a receipt for EVERYTHING and it would be covered. No such thing as a chrome rider with State Farm.

 

[InMotionJosh]

I just wonder how these companies would feel if they knew about the raked frames and other potentially "dangerous" mods.

 

[vrog]

I have state farm. I asked about extra coverage just last week. My agent told me to keep a receipt for EVERYTHING and it would be covered. No such thing as a chrome rider with State Farm.

Be careful.......... Thats not true at all. You have to pay a premium for extras.

Progressive sent an appraiser to my house to inspect and take pics of my bike. He was a nerdy guy, He said "damn that thing is nice, i have know idea what i'm looking at, but its nice! "

 

[YYAZZ]

Funny my guy is coming out Friday for pics. I think state farm calls them "riders" and be carefull state farm is who broke it off in me years ago.

 

[WFO-SG]

I have Geico and didnt have any additional coverage for the mods. I may now since I was in a wreck and have expensive paint,bags,fender,etc now. I pay $ 510 now. That is with $5k medical and $50 deductible. I will call and see what additional mods cost me to add.

 

[coolerman69]

I cant complain about my coverage with state farm thus far. I've had a few claims over the years and so far I've always been pleased with the results. I specifically asked for a rider but they said it wasnt necessary. No matter who the company is your insurance is only as good as your agent!