Motorcycle Insurance

Gle8 · 04-30-2014, 04:49 PM

Hi all,

I have a very unique scooter, and I'm having a hell of a time getting it insured. Looking for an agreed value policy, well above NADA value (heavily modified etc).

Tried Haggerty and Grundy, no luck. Anyone have a good company they use?

Rotorocious · 04-30-2014, 06:12 PM

Need to see pics of a unique scooter

http://media.tumblr.com/tumblr_m80dox1uiP1rqpx0x.gif

upstatedoc · 04-30-2014, 06:24 PM

I am lmao.

DSB335d · 05-01-2014, 01:42 PM

State Farm.

mike the snake · 05-01-2014, 01:56 PM

State farm covered my Ducati and modifications when I crashed.

Be careful though, I found out the hard way that State Farm didn't cover my medical in any way.

2011CrazE89 · 05-01-2014, 02:23 PM

A "unique" scooter? I need to see a pic

Gle8 · 05-10-2014, 01:04 PM

Quote:

Originally Posted by 2011CrazE89

A "unique" scooter? I need to see a pic

Well, I doubt many people have seen one of these before, unless in stock form (which is rare enough):

Italjet Dragster 180cc. Liquid cooled 2-stroke. Hub Center steering. Heavily modified. It's a beast. More photos here:

http://s117.photobucket.com/user/Gle...ljet%205-10-14

Shon · 05-10-2014, 01:05 PM

Which state are you in?

Gle8 · 05-10-2014, 01:21 PM

Quote:

Originally Posted by Shon

Which state are you in?

I live in Texas, but the bike is garaged in PA, which has been another hurdle for most insurance companies.

Shon · 05-10-2014, 11:15 PM

My wife's an insurance broker but in Vegas. I'll check with her on Monday, she's got connections. Text me at 702-825-1555

filip75 · 05-15-2014, 05:49 PM

My view on bike insurance is that you pay for the bike in full and then just get liability. I pay $97/year for both of my bikes. If I lay it down, I'll just pay out of pocket to repair it. If it gets stolen, then I'll buy another one with the money I saved on insurance.

Cloud9blue · 05-15-2014, 05:56 PM

Quote:

Originally Posted by filip75

My view on bike insurance is that you pay for the bike in full and then just get liability. I pay $97/year for both of my bikes. If I lay it down, I'll just pay out of pocket to repair it. If it gets stolen, then I'll buy another one with the money I saved on insurance.

The problem is that some of us has some pretty rare and expensive bikes, and repair can be quite costly even it is just a parking lot mishap. So I wouldn't generalize here.

qba335i · 05-15-2014, 10:02 PM

I would just get a liability insurance... Nobody will steal this scooter

Gle8 · 05-16-2014, 10:03 AM

My bikes are paid, but I can't stomach the possibility of total loss on it in an accident or theft. I spent quite a while getting them free and clear, and don't want to start over in the event of a loss.

upstatedoc · 05-16-2014, 10:13 AM

Quote:

Originally Posted by Gle8

I have a very unique scooter

Quote:

Originally Posted by Rotorocious

Need to see pics of a unique scooter

http://media.tumblr.com/tumblr_m80dox1uiP1rqpx0x.gif

Quote:

Originally Posted by Gle8

I'm still lmao

David1 · 05-16-2014, 10:42 AM

Organ doner card filled out?

Taskmaster · 05-18-2014, 01:04 PM

Coverage depends on state - but most companies will allow for you to cover additional modifications AND medical (if you request it)

Digital.James · 05-18-2014, 01:13 PM

i don't get it, you live in TX, scooter is in PA, but the license plate is from WA?

Taskmaster · 05-18-2014, 01:43 PM

Has to be insured for where it will be registered.

Cloud9blue · 05-18-2014, 02:03 PM

Quote:

Originally Posted by Gle8

Well, I doubt many people have seen one of these before, unless in stock form (which is rare enough):

Italjet Dragster 180cc. Liquid cooled 2-stroke. Hub Center steering. Heavily modified. It's a beast. More photos here:

http://s117.photobucket.com/user/Gle...ljet%205-10-14

OP, can you enlightening me on the appeal of these things? i just really don't get it. It's underpowered, flimsy brakes, and the chassis doesn't look too stable either. Hub-steering is cool though, but I really don't see if this thing can be more fun and safe than a proper motorcycle for the same money (you can get a 250-500cc starter bike in perfect condition for just $2-4k).

Clippers_FTW · 05-23-2014, 01:44 PM

AAA insures my R1 for about 9 dollars a month (excluding 3 months)

UncleWede · 05-23-2014, 01:51 PM

I spent about $35k building a custom soft tail in 2001. State Farm covers for about 500/yr. No medical, I just had to give them a picture for their records. I laid it down once, but didn't bother with getting insurance to cover the repaint.

04-30-2014, 04:49 PM	#1
Gle8 Private 11 Rep 99 Posts Drives: 2007 Z4Mc Join Date: Jan 2014 Location: Philadelphia iTrader: (0)	Motorcycle Insurance Hi all, I have a very unique scooter, and I'm having a hell of a time getting it insured. Looking for an agreed value policy, well above NADA value (heavily modified etc). Tried Haggerty and Grundy, no luck. Anyone have a good company they use?
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04-30-2014, 06:12 PM	#2
Rotorocious Lieutenant Colonel 103 Rep 1,520 Posts Drives: 335xi Join Date: May 2010 Location: Colorado iTrader: (3)	Need to see pics of a unique scooter http://media.tumblr.com/tumblr_m80dox1uiP1rqpx0x.gif
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04-30-2014, 06:24 PM	#3
upstatedoc I'll get back to you 7562 Rep 2,132 Posts Drives: blue streak Join Date: Dec 2009 Location: not downstate iTrader: (2)	I am lmao. __________________ 2018 Stinger GT 2009 E90 N51 /Active Autowerke Stage 2 tune/BMW Performance Exhaust/ Countermeasure enthusiast.
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05-01-2014, 01:42 PM	#4
DSB335d Captain 1322 Rep 700 Posts Drives: '11 335d DSB/oyster&black/navi Join Date: Dec 2011 Location: West palm beach iTrader: (0)	State Farm.
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05-01-2014, 01:56 PM	#5
mike the snake Captain 68 Rep 643 Posts Drives: 135i Join Date: Sep 2011 Location: Sonoma County, CA. iTrader: (1)	State farm covered my Ducati and modifications when I crashed. Be careful though, I found out the hard way that State Farm didn't cover my medical in any way.
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05-01-2014, 02:23 PM	#6
2011CrazE89 Moved on 123 Rep 166 Posts Drives: 2011 Z430i & 2015 MB C300 Join Date: Sep 2013 Location: South Florida iTrader: (0)	A "unique" scooter? I need to see a pic
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05-10-2014, 01:05 PM	#8
Shon Lieutenant 43 Rep 450 Posts Drives: F10 528i Join Date: Jan 2013 Location: Mountain View, CA iTrader: (8)	Which state are you in?
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05-10-2014, 11:15 PM	#10
Shon Lieutenant 43 Rep 450 Posts Drives: F10 528i Join Date: Jan 2013 Location: Mountain View, CA iTrader: (8)	My wife's an insurance broker but in Vegas. I'll check with her on Monday, she's got connections. Text me at 702-825-1555
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05-15-2014, 05:49 PM	#11
filip75 Facetious 109 Rep 530 Posts Drives: '15 AW M4 Join Date: Nov 2013 Location: San Antonio, TX iTrader: (0)	My view on bike insurance is that you pay for the bike in full and then just get liability. I pay $97/year for both of my bikes. If I lay it down, I'll just pay out of pocket to repair it. If it gets stolen, then I'll buy another one with the money I saved on insurance. __________________ Current: '15 BMW M4 (6MT), '08 HD Dyna Street Bob Previous: '06 BMW 330Ci; '06 Mercedes CLK-350; '04 Acura TL A-Spec; '95 BMW 318ti; '92 Mercury Cougar; '94 Honda Accord
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05-15-2014, 10:02 PM	#13
qba335i First Lieutenant 400 Rep 329 Posts Drives: 335i Join Date: Feb 2011 Location: Chicago iTrader: (0)	I would just get a liability insurance... Nobody will steal this scooter
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05-16-2014, 10:03 AM	#14
Gle8 Private 11 Rep 99 Posts Drives: 2007 Z4Mc Join Date: Jan 2014 Location: Philadelphia iTrader: (0)	My bikes are paid, but I can't stomach the possibility of total loss on it in an accident or theft. I spent quite a while getting them free and clear, and don't want to start over in the event of a loss.
	Appreciate 0 Quote

05-16-2014, 10:42 AM	#16
David1 Brigadier General 814 Rep 3,953 Posts Drives: 09 E92 09 X5 Join Date: Mar 2007 Location: Columbus, OH iTrader: (1)	Organ doner card filled out? __________________ 2021 M2 Comp Sunset Orange \|Black with orange Stitching Dakota Leather\|Executive Pkg\|DCT
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05-18-2014, 01:04 PM	#17
Taskmaster Banned 2465 Rep 9,004 Posts Drives: M235i 6MT / E92 328 Msport 6MT Join Date: Nov 2013 Location: Florida iTrader: (6)	Coverage depends on state - but most companies will allow for you to cover additional modifications AND medical (if you request it)
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05-18-2014, 01:13 PM	#18
Digital.James Colonel 119 Rep 2,703 Posts Drives: GT4, Raptor.2, Tuono 1100F Join Date: Sep 2007 Location: NC iTrader: (7)	i don't get it, you live in TX, scooter is in PA, but the license plate is from WA?
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05-18-2014, 01:43 PM	#19
Taskmaster Banned 2465 Rep 9,004 Posts Drives: M235i 6MT / E92 328 Msport 6MT Join Date: Nov 2013 Location: Florida iTrader: (6)	Has to be insured for where it will be registered.
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05-23-2014, 01:44 PM	#21
Clippers_FTW Private 6 Rep 74 Posts Drives: CTS-V Join Date: Apr 2014 Location: Beaumont, CA iTrader: (0)	AAA insures my R1 for about 9 dollars a month (excluding 3 months)
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05-23-2014, 01:51 PM	#22
UncleWede Long Time Admirer, First Time Owner 18027 Rep 9,378 Posts Drives: G01 X3 M40i Dark Graphite Join Date: Jun 2005 Location: Oxnard, CA iTrader: (0)	I spent about $35k building a custom soft tail in 2001. State Farm covers for about 500/yr. No medical, I just had to give them a picture for their records. I laid it down once, but didn't bother with getting insurance to cover the repaint.
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