Insurance on your bike(s)

[eprovenzano]

Who carries insurance on their bike(s), what company do you use?

I've always fully covered my cruiser, but I've never had insurance on my KTM. I think I'm going to add it just to have protection against theft.  Has any one used Rider Insurance Company, their costs seem very low.

[factoryX]

Smart idea, wouldn't it to be to much. Friend of mine running insurance on his street legal DRZ is paying like $30 a month. 

[beaner]

I have it for that very reason. Unfortunately, I also have to pay for liability, and the rest of the comprehensive package. They do not offer just theft. I use State farm, and pay $6/mo for the RM, and $10 for the Husky.

[shanes]

my insurance

[beaner]

A couple of steaks and a baseball bat, and your bikes are gone. It happened to a friend of ours.

[Coop]

I do. My normal insurance is through State Farm and they require titles. So my Gas Gas and my wife's trail bike are insured through Markel (www.bike-line.com). $100/year for both bikes. I need insurance at the riding club I belong to so I have to have it.

[nom de guerre]

Geico... also have used Foremost/RV Amercia.... $300 for 3 bikes, peace of mind, I still take precautions with transport and storage. But in the end, I don't care because they are covered. I learned the hard way 12 years ago, have never gone uninsured since.

[downonmonday]

I use Progressive. The odd thing is they won't cover my enclosed trailer, but if I put collision on my dirt bike it's covered. I still do not understand that, but I guess I can claim when I wreck my MX bike on an MX course? hahaha

[eprovenzano]

Thanks for the posts.

I decided to go with Rider Insurance, https://riderpos.net/RIDER_IPOS/welcome.do  With full coverage on both my Yamaha Vstar cruiser and the KTM, I'm paying about 1/2 of what I paid last year (Foremost) just for the Vstar.  I was given the insurance company's name (Rider Insurance) by more than one dealer when I was shopping for a new bike.  I've not had insurance on the KTM in the past as I thought my homeowners insurance would cover theft...  not.  I've not had any issues in my neighborhood, but there is always a 1st.  I put full coverage on the KTM as I wanted to have theft coverage. Even if the bike is not worth a lot of $$$, its worth a lot to me.  At just under $12/month for both bikes its cheap insurance for my piece of mind.

[Coop]

Even if the bike is not worth a lot of $$$, its worth a lot to me.  At just under $12/month for both bikes its cheap insurance for my piece of mind.

Exactly. This is why I always have full coverage on bikes. I usually have more in my bikes than I can sell them for so recovering even blue book would be better than a full loss after a theft.