Rally season - insurance

**schoeney** · 05-18-2012, 12:33 PM

Hi All,

Hammy started a thread about his upcoming 5000 mile trip. It got me to thinking about a couple things that I wanted to share before we are all off making our long trips.

A member had a problem with a long distance breakdown last year and it got real expensive real fast. I can't remember who it was or if he was covered but this is a good time to review your coverage. I strongly encourage all of us to have roadside assistance coverage, it is cheap ($8 per year) and is gives me peace of mind.

I know these bikes are rock solid reliable but this coverage covers other things as well (collisions, dead battery, flat tires, towing, etc). Mine also covers up to $100 per day expenses if I have a collision and need to stay nearby, rent a car, fly home, etc.

I just got off the phone with my insurance company (Foremost). I have never had to use my bike insurance since I bought my most recent bike in 2008.

I wanted to check on my coverage mainly due to my July trip crossing the border into Canada for the VBA Canadian rally. They are sending me a Canadian insurance I.D. card.

I must say I have been very happy with Foremost.....got a good discount through AARP. I pay $163 year (53 yrs old, non smoker, clean record, good credit scores). In 2008 my cost was $305 from them and it has dropped steadily each year to the current $163. Here are my coverages

250k/500k Liability
100k Per accident property damage
$250 deductible for collision/$100 for other (theft,vandalism,etc)
$3500 coverage for accessories
The roadside assistance is only $8 per year.

The $163 per year premium includes an $18 multi policy discount (cars) and a $40 preferred operator discount.

Keep in mind my bike is older and replacement value is only $5-6,000 + accessories. I waive all the medical coverage for myself because I have very comprehensive health coverage.

Hope this helps someone.

chainsaw · 05-18-2012, 05:31 PM

Good idea and thanks for the tip on the insurance company.

**ray2** · 05-18-2012, 05:40 PM

I also have Foremost for the first time this year. my roadside assistance is $10.00 but this is my first year with Foremost. I think you have a good idea about checking out the insurance.

blowndodge · 05-18-2012, 06:02 PM

I have AAA premium roadside motorcycle and RV coverage
they pretty much guaranteed to get me and my vehicle home free of charge

cactusjack · 05-18-2012, 06:09 PM

Quote:

Originally Posted by blowndodge

I have AAA premium roadside motorcycle and RV coverage
they pretty much guaranteed to get me and my vehicle home free of charge

When did you get the RV?

usranger74 · 05-18-2012, 06:15 PM

Brad - is there a limit on the miles AAA will come before they charge you?

blowndodge · 05-18-2012, 06:20 PM

depends. totaling my vehicle it doesnt matter. normal tows 300 miles.

dewey405 · 05-18-2012, 07:13 PM

Also see if they have trip interruption, they will put you up in a hotel and provide money for food for up to I think 5 days as long as you are over 100 miles from home. Cost like 5 dollars more than the basic roadside assistance at Progressive.

**sacarriker** · 05-20-2012, 07:52 PM

I pay 800 per year with progressive. I have a good record. Im getting hosed. I have premium AAA as well.

05-18-2012, 12:33 PM	#1
schoeney Join Date: Jun 2008 Location: NW Region Posts: 5,222	Rally season - insurance Hi All, Hammy started a thread about his upcoming 5000 mile trip. It got me to thinking about a couple things that I wanted to share before we are all off making our long trips. A member had a problem with a long distance breakdown last year and it got real expensive real fast. I can't remember who it was or if he was covered but this is a good time to review your coverage. I strongly encourage all of us to have roadside assistance coverage, it is cheap ($8 per year) and is gives me peace of mind. I know these bikes are rock solid reliable but this coverage covers other things as well (collisions, dead battery, flat tires, towing, etc). Mine also covers up to $100 per day expenses if I have a collision and need to stay nearby, rent a car, fly home, etc. I just got off the phone with my insurance company (Foremost). I have never had to use my bike insurance since I bought my most recent bike in 2008. I wanted to check on my coverage mainly due to my July trip crossing the border into Canada for the VBA Canadian rally. They are sending me a Canadian insurance I.D. card. I must say I have been very happy with Foremost.....got a good discount through AARP. I pay $163 year (53 yrs old, non smoker, clean record, good credit scores). In 2008 my cost was $305 from them and it has dropped steadily each year to the current $163. Here are my coverages 250k/500k Liability 100k Per accident property damage $250 deductible for collision/$100 for other (theft,vandalism,etc) $3500 coverage for accessories The roadside assistance is only $8 per year. The $163 per year premium includes an $18 multi policy discount (cars) and a $40 preferred operator discount. Keep in mind my bike is older and replacement value is only $5-6,000 + accessories. I waive all the medical coverage for myself because I have very comprehensive health coverage. Hope this helps someone. __________________ VBA #659 2003 Nomad 1500 (Gone but never forgotten) 2005 Honda ST1300 - Sweet and still kickin 2006 Honda Goldwing - Best Boat in the Marina Login or Register to Remove Ads Last edited by schoeney; 05-18-2012 at 12:42 PM.
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05-18-2012, 05:40 PM	#3
ray2 Join Date: Jan 2011 Location: Minnesota Posts: 939	I also have Foremost for the first time this year. my roadside assistance is $10.00 but this is my first year with Foremost. I think you have a good idea about checking out the insurance. __________________ Ray Minnesota 2010-1700-Nomad VBA#01525
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05-18-2012, 06:02 PM	#4
blowndodge Sr. Contributor Join Date: Jul 2007 Location: Washington City, Utah Posts: 16,474	I have AAA premium roadside motorcycle and RV coverage they pretty much guaranteed to get me and my vehicle home free of charge __________________ I love my Victory Cross Country Tour 106. Smells like Victory! Ultra's are Limited There are two types of Harley riders. Those that trailer them and those that push them. The most Interesting Man in the World "Find the things in life you don't do well and don't do those things" Member # 0005
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05-18-2012, 06:15 PM	#6
usranger74 Sr. Member Join Date: Mar 2010 Location: La Vista, NE Posts: 4,060	Brad - is there a limit on the miles AAA will come before they charge you? __________________ Bill (usranger74) Blake 2016 Goldwing VBA # 1505
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05-18-2012, 06:20 PM	#7
blowndodge Sr. Contributor Join Date: Jul 2007 Location: Washington City, Utah Posts: 16,474	depends. totaling my vehicle it doesnt matter. normal tows 300 miles. __________________ I love my Victory Cross Country Tour 106. Smells like Victory! Ultra's are Limited There are two types of Harley riders. Those that trailer them and those that push them. The most Interesting Man in the World "Find the things in life you don't do well and don't do those things" Member # 0005
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05-18-2012, 05:31 PM	#2
chainsaw Sr. Member Join Date: Jun 2008 Posts: 2,732	Good idea and thanks for the tip on the insurance company.
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05-18-2012, 07:13 PM	#8
dewey405 Member Join Date: Apr 2012 Location: Moore, OK Posts: 384	Also see if they have trip interruption, they will put you up in a hotel and provide money for food for up to I think 5 days as long as you are over 100 miles from home. Cost like 5 dollars more than the basic roadside assistance at Progressive. __________________ 2012 Nomad 1700 VBA #02021 VROC #34848
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05-20-2012, 07:52 PM	#9
sacarriker Join Date: Mar 2012 Location: Dickinson, Tx Posts: 502	I pay 800 per year with progressive. I have a good record. Im getting hosed. I have premium AAA as well. __________________ Will ride in rain! Scott & Jude Carriker Dickinson, TX Vulcan Bagger #01989 2013 Road Glide Ultra 2013 Softail Deluxe 2011 Voyager 1700 ABS (traded) 2004 Vulcan Classic 1500 (traded) 2009 Vulcan 900 Classic (Gone but not forgotten) 2007 Vulcan Classic 1600
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