casperfelix
Registered user
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?
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?