Insurance Duration - Page 2

lonewolf · 11-09-2010, 10:32 AM

Quote:

Originally Posted by henryk

I was told by one of my past insurance companies that they do not insure for 6 months.
The reason they gave was that even if the bike is sitting in a garage,
the bike could be destroyed by fire or stolen, made sense to me.
So my bike is insured for 12 months.
henryk

Same here !!!!!!

cactusjack · 11-09-2010, 10:42 AM

Quote:

Originally Posted by henryk

I was told by one of my past insurance companies that they do not insure for 6 months.
The reason they gave was that even if the bike is sitting in a garage,
the bike could be destroyed by fire or stolen, made sense to me.
So my bike is insured for 12 months.
henryk

How nice that the insurance company is so concerned for your welfare. And they get more money from you in return. Shouldn't it be your choice whether to insure your bike just for the riding season? Of course if there's no insurance coverage on it, it wouldn't be covered if the roof collapsed or the garage burned down, but isn't that YOUR problem, not THEIRS?

Just sayin'...

bendusty · 11-09-2010, 11:13 AM

Here in NE Georgia, I ride 12 months. Anything above 28 degrees is good, the only time I don't ride is if it's raining when I get up, or the wife has plans for me.

Todd · 11-09-2010, 11:39 AM

Quote:

Originally Posted by cactusjack

Quote:

Originally Posted by henryk

I was told by one of my past insurance companies that they do not insure for 6 months.
The reason they gave was that even if the bike is sitting in a garage,
the bike could be destroyed by fire or stolen, made sense to me.
So my bike is insured for 12 months.
henryk

How nice that the insurance company is so concerned for your welfare. And they get more money from you in return. Shouldn't it be your choice whether to insure your bike just for the riding season? Of course if there's no insurance coverage on it, it wouldn't be covered if the roof collapsed or the garage burned down, but isn't that YOUR problem, not THEIRS?

Just sayin'...

Nope, because after a snow storm when the roof caves in, 75% of the people will call up and tell their agent that he should have advised them to keep insurance on their bike all year...

No, I don't sell insurance.

cactusjack · 11-09-2010, 11:55 AM

Quote:

Originally Posted by todd (Nomadis Custodis)

Quote:

Originally Posted by cactusjack

How nice that the insurance company is so concerned for your welfare. And they get more money from you in return. Shouldn't it be your choice whether to insure your bike just for the riding season? Of course if there's no insurance coverage on it, it wouldn't be covered if the roof collapsed or the garage burned down, but isn't that YOUR problem, not THEIRS?

Just sayin'...

Nope, because after a snow storm when the roof caves in, 75% of the people will call up and tell their agent that he should have advised them to keep insurance on their bike all year...

No, I don't sell insurance.

It's a matter of personal responsibility, or the lack of personal responsibility in society.

**Top Cat** · 11-09-2010, 12:18 PM

Here is my take.
The agent should tell them that it is not covered for theft or fire etc but if you still want to insure for only 6 months that is up to you.
The reason I insure for the whole year is it is a pia to re- register and get new plates.

Todd · 11-09-2010, 12:41 PM

I'm just sayin'

psychocycle · 11-09-2010, 12:48 PM

Here in Alberta, I must insure for 12 months and in a good year I can ride 6 months and a really good year I can ride maybe 9 months.

**Jared** · 11-09-2010, 12:49 PM

I usually drop my coverage to a storage coverage that my insurance offers. It still covered, but saves me about $200 for the 4 months that it's parked.

lar · 11-09-2010, 11:04 PM

I insure for 12 months, but ride between 8 and 9 month a year.

landman · 11-09-2010, 11:23 PM

i ride year round but infrequently dec.thru feb.

**Idaho** · 11-10-2010, 12:00 AM

I insure the bike all year. Difficult to be able to ride due to ice and snow on the road from mid Nov to end of March. Sometimes the road clears off and I can ride. If I had no insurance that would be too risky for me. It is much easier to just pay for the full year.

mobandy78 · 11-10-2010, 09:20 AM

I insure mine for the full 12 months (Progressive). In Oklahoma, the worst months for cold are Feb and the first of March. January has a few nice days scattered throughout it, so I'll get a couple days riding in.

**ringadingh** · 11-15-2010, 05:39 PM

We don't have a choice here in Ontario, we only have 12 month policy's. Its expensive for what we ride here as well, I pay $800.00 for minimum coverage.

11-09-2010, 11:13 AM	#18
bendusty Member Join Date: Feb 2010 Location: Watkinsville, GA Posts: 186	Insurance Duration Here in NE Georgia, I ride 12 months. Anything above 28 degrees is good, the only time I don't ride is if it's raining when I get up, or the wife has plans for me.
	0

11-09-2010, 12:18 PM	#21
Top Cat Join Date: Jul 2007 Location: Peoples Republic of New York State Posts: 15,154	Insurance Duration Here is my take. The agent should tell them that it is not covered for theft or fire etc but if you still want to insure for only 6 months that is up to you. The reason I insure for the whole year is it is a pia to re- register and get new plates. __________________ Tim "TC" Conley VBA #9 2011 Victory Kingpin mine 2013 Victory Boardwalk -hers [LEFT][COLOR=#000000] [SIZE=4]
	0

11-09-2010, 12:41 PM	#22
Todd Top Contributor Join Date: Aug 2007 Location: Greensboro, NC Posts: 5,915	Insurance Duration I'm just sayin' __________________ Todd Frazier VBA #0003 VBA National Leader-USA Operations/Garage Moderator - RETIRED 2006 Black Nomad since she was born Greensboro, NC
	0

11-09-2010, 12:48 PM	#23
psychocycle Advanced Member Join Date: May 2009 Location: Edmonton, Alberta, Canada Posts: 822	Insurance Duration Here in Alberta, I must insure for 12 months and in a good year I can ride 6 months and a really good year I can ride maybe 9 months. __________________ Psychocycle VBA # 1125 2002 1500 fi Nomad
	0

11-09-2010, 12:49 PM	#24
Jared Join Date: Mar 2009 Location: Greeley, Colorado Posts: 6,772	Insurance Duration I usually drop my coverage to a storage coverage that my insurance offers. It still covered, but saves me about $200 for the 4 months that it's parked. __________________ Jared VBA #1051 (Former President)
	0

11-09-2010, 11:04 PM	#25
lar Sr. Member Join Date: Jun 2010 Location: Concord, NH Posts: 1,407	Insurance Duration I insure for 12 months, but ride between 8 and 9 month a year. __________________ Larry Martel 02 1500 Nomad VBA 01565 VROC4737 Patriot Guard Rider
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11-09-2010, 11:23 PM	#26
landman Sr. Member Join Date: Aug 2008 Location: wheatland,wy. Posts: 3,642	Insurance Duration i ride year round but infrequently dec.thru feb. __________________ bob wittman VBA # 745 COG #11621 wheatland,wy. rallies-custer 09,kalispell 10,crescent city 11,kanab 12,estes park 13,orifino 14.,red lodge 16 2015 ninja 1000 abs 2014 concourse 14 2012 concourse 14-sold 2011 vaquero-sold 2008 nomad-sold 2005 classic-sold
	0

11-10-2010, 12:00 AM	#27
Idaho Join Date: Aug 2007 Location: Pocatello, Idaho Posts: 5,241	Insurance Duration I insure the bike all year. Difficult to be able to ride due to ice and snow on the road from mid Nov to end of March. Sometimes the road clears off and I can ride. If I had no insurance that would be too risky for me. It is much easier to just pay for the full year. __________________ Idaho (aka Curmudgeon) Blue Knights Idaho III VBA #110 VROC #24864 IBA #49753 2007 Nomad 86,000 miles Bud Smalley Pocatello, Idaho Idaho Jack Adapter
	0

11-10-2010, 09:20 AM	#28
mobandy78 Sr. Member Join Date: Sep 2009 Location: Owasso, OK Posts: 1,485	Insurance Duration I insure mine for the full 12 months (Progressive). In Oklahoma, the worst months for cold are Feb and the first of March. January has a few nice days scattered throughout it, so I'll get a couple days riding in. __________________ Matt "Mo" Moore Owasso, Oklahoma VBA #1250 2005 Nomad 1600 - Darkside "There is no normal life, there's just life. So get on with it." - Doc Holiday
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11-15-2010, 05:39 PM	#29
ringadingh Join Date: Aug 2007 Location: Newmarket Ontario Canada Posts: 35,387	Insurance Duration We don't have a choice here in Ontario, we only have 12 month policy's. Its expensive for what we ride here as well, I pay $800.00 for minimum coverage. __________________ 2002 Nomad aka Bountyhunter VBA #27 VROC #18951
	0

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