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Thread: Bike Insurance

  1. #1
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    Bike Insurance

    Got my quote today. $680 + $60 admin.

    After being given some oxygen I started to find out why so much.

    In the on-line application there are two options you can make choices from. These aren't very well explained but are here http://www.hctravel.com/html/us_m_c_insurance.html.

    One, 'Bodily Injury/Property Damage' protects you against claims other people make against you for injury or damages they incur if you are at fault in an accident. It provides the basic limits of $50,000 per person/$100,000 per incident and $25,000 property damage. You have the option to increase the liability limits up to $250,000 per person/$500,000 per incident and $100,000 property damage if you prefer higher limits of liability in the event you are at fault.

    The other, 'Comprehensive And Collision' confused me: But provides coverage for your motorcycle in the event of fire, theft, collision or vandalism with a $500.00 deductible.

    Now, when I asked for a breakdown of my costs I was told $408.00 of the premium quoted ($680.07) was for the Comprehensive and Collision coverage. So I started thinking about whether I needed this or not - and still don't know what the answer is.

    If I bend the bike (my fault) it'll get repaired under the insurance - less $500. But what if they can't repair it before it should be shipped back to the UK? Will they allow it to be shipped and then pay for the repairs in the UK? Don't know the answer to this, but doubt it. And what if it's nicked and then found after I return to the UK? I'll be left with a bike in the States that I need to get shipped home at my expense.

    I guess the various scenarios can go on for ever - but what are others planning to do viz the Comprehensive and Collision coverage part of their insurance options. And does anybody know the answers to the 'repatriation' questions I have asked? Or should I bother the insurance agent again?

  2. #2
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    http://www.motorcycleexpress.com/
    Try these people.Used them on the last trip and the premium was sensible.
    Awaiting my quote from them.Will also look at bike recovery and personal medical repatriation.

  3. #3
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    Just had a reply.$495.....wtf.It was under $200 last trip.

  4. #4
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    Quote Originally Posted by Colban View Post
    Just had a reply.$495.....wtf.It was under $200 last trip.
    They're the people who quoted me!
    What options did you ask for?

  5. #5
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    Motorcycle express are calling me in the next day or so as the prices seem to have jumped a lot over previous times I've used them. I'm not sure whether they have increased their cover massively of it's just the general rise in premiums

    Stand by.........
    www.unchainedtours.com

    "Of all the forces that make for a better world, none is so powerful as hope.
    With hope, one can think, one can work, one can dream.
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  6. #6
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    Am currently asking for a quote here http://www.fernet.com/. Their on line prices seem very good, though only if they'll do a deal re us paying the 30 day rate for 33 days!

  7. #7
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    Quote Originally Posted by casperfelix View Post
    Am currently asking for a quote here http://www.fernet.com/. Their on line prices seem very good, though only if they'll do a deal re us paying the 30 day rate for 33 days!
    It seems they aren't licenced for Alaska so you need to double check that. Let me know how you get on as I'm away at work at the moment so can't do much until the weekend.

    There is no panic yet
    www.unchainedtours.com

    "Of all the forces that make for a better world, none is so powerful as hope.
    With hope, one can think, one can work, one can dream.
    If you have hope, you have everything."



    http://www.unchainedtours.com

  8. #8
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    Insurance

    Motorcycleexpress quote includes Alaska and roadside recovery, 6 months term $600!

  9. #9
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    Had the re-quote from MC express.Dropped the Comprehensive and Collision cover and reduced the liability cover to the mandatory minimum.
    The quote,including service fee is now $340 (about $10 per day).
    What with rising insurance costs,inflation over the past couple of years plus the added roadside assistance and underinsured/uninsured cover,that makes the $80ish premium increase more palatable.
    Anyone looking to get Recovery?.

  10. #10
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    Quote Originally Posted by Sgt Bilco View Post
    It seems they aren't licenced for Alaska so you need to double check that. Let me know how you get on as I'm away at work at the moment so can't do much until the weekend.

    There is no panic yet
    When should panic be initiated? I have no feelers out as yet for any insurance but will do if nothing heard before end of week. Has ther been any more info on the deals you were negotiating sgt B?

  11. #11
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    Quote Originally Posted by Nobbyspiles View Post
    When should panic be initiated? I have no feelers out as yet for any insurance but will do if nothing heard before end of week. Has ther been any more info on the deals you were negotiating sgt B?
    On it this week
    www.unchainedtours.com

    "Of all the forces that make for a better world, none is so powerful as hope.
    With hope, one can think, one can work, one can dream.
    If you have hope, you have everything."



    http://www.unchainedtours.com

  12. #12
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    Quote Originally Posted by Sgt Bilco View Post
    On it this week
    Any update on the insurance front?

  13. #13
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    Quote Originally Posted by Nobbyspiles View Post
    Any update on the insurance front?
    Having spoken to Gail at http://www.motorcycleexpress.com/ on several occasions and done considerable research looking for other companies - both myself on-line and using an American cousin to make some phone calls - I concluded there weren't any other real options to Gail's company. The only question then was whether I go fully comp or not. Given my bike is fairly new I didn't really want to face losing over £10k if somebody had it away with it from a motel carpark this also was a bit of a no-brainer.
    Bottom line is I bit the bullet, got the full monty, and paid about £450 for peace of mind.

  14. #14
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    Quote Originally Posted by casperfelix View Post
    Having spoken to Gail at http://www.motorcycleexpress.com/ on several occasions and done considerable research looking for other companies - both myself on-line and using an American cousin to make some phone calls - I concluded there weren't any other real options to Gail's company. The only question then was whether I go fully comp or not. Given my bike is fairly new I didn't really want to face losing over £10k if somebody had it away with it from a motel carpark this also was a bit of a no-brainer.
    Bottom line is I bit the bullet, got the full monty, and paid about £450 for peace of mind.

    I bought my insurance at the lower end....f*** it....$437 in the end....my first trip left me with a particular experience of America which I think will justify being at the lower end of the risk averse spectrum....if I'm proven wrong you can all laugh whilst I quietly sob....
    <a href=http://www.nomadbiker.co.uk target=_blank>www.nomadbiker.co.uk</a>

  15. #15
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    Chris

    Perhaps they might entertain a group discount if we obtained our insurance from the same insurance company?

    Bob


    Quote Originally Posted by Sgt Bilco View Post
    Motorcycle express are calling me in the next day or so as the prices seem to have jumped a lot over previous times I've used them. I'm not sure whether they have increased their cover massively of it's just the general rise in premiums

    Stand by.........

  16. #16
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    Quote Originally Posted by English Bob View Post
    Chris

    Perhaps they might entertain a group discount if we obtained our insurance from the same insurance company?

    Bob
    Gail,through MCE is giving us two months cover for the price of one so in effect that is the discount.I've settled for the basics at $340.

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