insurance information

[Administrator]

It was suggested that we add a section covering trike insurance carriers, and their rates since rates seem to vary widely and some insurers are not familiar with trikes or trike values. If you have information that might help your fellow riders, please post it here.

 

[ben721364]

I think that is a noble idea but doubt that it would be of much value since rates vary so much from place to place and from insured to insured because of so many, many factors.

 

[Trikerjim]

Might be a good idea, just to compare what we're getting as far as coverage.I know I switched companies when I went to a trike,because the company that insured my two wheelers went to the moon on trike rates. Would be interesting to hear about claims complaints ect...

 

[Tri-3]

Allstate in NH

I have my car covered by Allstate in NH. I tried to cover my trike with them and everything was going fine when they thought it was a stock GW. When I specified the 12k trike conversion, I was told they don't offer insurance on trikes.
The only company I have been able to find to insure the trike in NH is Progressive. Does anyone use this company? What has your experience been?

 

[CstmTrk]

Dont know if in NH State Farm insures them or not here in Missouri have had no problem they just wanted me to have reciepts for conversion and add-on parts. Ive also repaired quite a few through SF at my body shop

 

[Trikerjim]

I Have Geico, but several of my buddies have Progressive and they said they have no problems. One has had a claim and he said they took good care of him. I did the same thing with Geico making sure that mine is listed as a trike. The rep told me she was writing more and more trikes everyday. She said "I think they're cool"....

 

[Tri-3]

Insurance in NH

Thanks for the info. I think I will go with Progressive but will look into State Farm. Geico does not insure bikes in NH.

 

[katfish16]

I have Foremost and it is a little over $300 a year. If U are a member of USAA insurance
U can call them they will hook U with Foremost and U will get a discount for being a USAA member.

 

[Tri-3]

Insurance in NH

I talked to State Farm and they do insure in NH. They beat Progressive by about $50 for the same coverage.
Thanks for the suggestion.

 

[vaarstamounts]

insurance

hi everybody,in england petrol prices are nearly10 dollars a gallon,before it becomes to expensive to buy,i would like to travel to the states and buy a trike,ride it around for a month and export it back home,however,i have been told no insurance can be purchased unless you live in the usa and have a social security number,is this true?is there a way around it,and finally, i cannot make my mind up,harley or honda, thanks for any help you can give me

 

[Buzzard]

Good Morning Erik. Buzzard here.

I contacted Progressive Insurance with your questions on Insuring while you are in the States and they had the following response:

First, they will insure you while you are here in the States with some limitations. I talked to a Cory in Customer Service who stated that Progressive only needed a physical address where the Trike would be "Parked". I recommend you call them. 1-877-280-8418

Some States have limitations on the International license. Progressive can help you with this also.

On which manufacturer of Bike, I'll offer an "opinion":

Although I've riden both Harley and Honda Trikes, I prefer the Hondas for a a couple of reasons. Shaft drive and available power are my two favorites.

Another is that repair parts seem to be more readily available for the Honda. (I'm about to get flammed here)

On shipping the trike back to England, I'm sure you can manage that without my help.

Regardless, I wish you well.

Welcome to Progressive. Quote and buy online with America's #1 motorcycle insurance group.

 

[Trikerjim]

Welcome aboard Eric,I'm sure with Buzzards help you'll work out your insurance while here. Either way you and you alone will have to decide what to trike... But remember, when your talking about a big V-twin or six cylinder Honda, fuel milage is not what some people think. My Motor-Trike gets no better milage than my Toyota automobile. (but it has a better stereo system). Have fun and enjoy.

 

[Papajoe]

Hi Eric.......Papajoe here from Scxotland welcome to the site..........Don't know about insurance, but you can fly a trike back to the UK for about 12.500 pounds........Cheers Joe

 

[vaarstamounts]

insurance

many thanks for the replies,is it true that the harley suffers from heatrise from the rear cylinder?in hot weather is this a serious problem for the rider?

 

[dwiht]

I ride a Harley with a Lehman trike kit. I had a stage one setup done and which helped solve the heat issues. I ride with a club which the type of bike is not important, it is about the ride and last weekend rode over the Big Horn Mountains in Wyoming. It was a great ride and when we gassed up, I was only using 2/10's of a gallon more than the two wheel Goldwings. I was really happy with that considering how much more wind resistance I have. I was also happy in that I was having to hit the brakes in the corners behind the two wheel bikes and stayed right with them all through the ride. I know in the states, when you look at resale values for used trikes, the Harleys hold their value. Ultimately the choice is yours, I suggest you ride both. I rode a Goldwing trike before i rode a Harley trike. I personally liked the better leg positioning of the Harley as far as rider comfort. The Hondas are great bikes though and very reliable. Shaft drive versus belt drive, independant versus straight axle, various degrees of rake, so many different variables and opinions, you will enjoy whatever you decide to ride.

 

[Kubla]

If you buy something strange like I did, be prepared for insurance problems, progressive who has my scooter insurance would not insure the Westward Go-4, my Car insurance company insured is as a road going golf cart.

 

[Nana]

We use "Auto Owners Insurance" for cars and Harleys both. When we made my Fat Boy into a trike, our agent told us they only change the insurance based on the value of the add-on kit, and consider the vehicle still to be a Harley with just the kit added. No problems with making the change to our policy, and we have been happy with Auto Owners services, although we've only needed their help with auto repair, not motorcycle work.

 

[07BlueCSC]

Insurance information

We checked around at Americade for insurance.

1--Allstate does not insure conventional trikes(2 wheels in back).

2--Foremost/Farmers gave a number to call for trikes(do not know number).

I called AARP who has a program with Foremost and got a price of $347 with
100/300/50 and uninsured/underinsured and $500 deductable for a 2007GL/ABS California SideCar.

Now I am paying over $650 with Progressive.

I will be changing at renewal time.

 

[Trikerjim]

Blue, that's pretty good savings. I know state to state rates are different and some companies will only write policies in certain states. We belong to AARP also but they could not beat Geico or Progressive here for me. You know several years ago there was a big PR campaign telling people to "shop around" for insurance rates. I guess it really is true. We all need to spend a little time investigating in order to save some money...

 

[W7AX]

I had no problem with insurance for the trike from Progressive. I've used them for years with no problems.

 

[Trikerjim]

Steve, what kind of coverage did you get with Foremost? I called them about mine through AARP and got a rate of $1100 yr! Granted it has more coverage than what I have now, but I don't know if I really need THAT much...

 

[Cougar]

I have had Geico for 10 years now and they have
been wonderful to us. In fact when I just called
them about the bike being converted they lowered
my insurance premium $4.00 per month.. think about it
if your on 2 wheels and the bike falls over on that hot
pavement. there is a $2,000.00 claim. Insurance company's
are catching on real fast that triking is helping them.

Anyways GEICO stands for Government Employee Insurance
Company. and if you are in the Military Service you get one heck
of a discount. If you call for a Quote give them this
Promo Code. Might help you... # 59595 Good Luck!

They Also brought my bike value UP $14,000.00 on top of
what it is worth now. I have FULL coverage for my trailer
my goodies and flat bed towing. Geico will not pay for the
install fee it took to add the trike kit. about $1,500 I can
live with that.
Jeff

 

[tis]

I would suggest you make sure you will still have coverage when you Trike it. I called Harley Davidson to check what I could expect and if I would have any problems, all he told me was my carrier(Foremost) would just treat it as a accessory. When I had Trike completed I called back and the guy asked me what kind of kit I had, when I told him Hannigan he said thats good cause thats one of the kits Foremost covers. I guess foremost don't cover all kits, which the first person never told me. Also it should'nt increase my policy because they feel 3 wheels are alot safer then the two. Now this may vary from State to State so it's best to check with your agent.

 

[Cougar]

Yes they know it is a Hannigan. They even have the
VIN Number that Hannigan Supply's for it.

I just took care of all that this week. It
is fully covered as a trike now.

They absolutely have no problem for the bike
being converted.

Thanks,
Jeff

 

[John Luciano]

Insuring it as a trike or insuring it as a Bike with a TRIKE accessory are 2 different things. Like saying I have a a bike with a piece attached to it. if the bike gets totaled and the piece does not they pay for your bike value. YES it is true friend had it happen when his trike rolled away and hit a tree. they gave him $9,000 for the bike and said the trike accessory was fine just take it off and put it on another bike. Like it was a trunk or a windshield.. Bike was insured thu Dairyland

 

[BlueTrinity]

When I insured the trike, I went to State Farm (who insured my previous Harley) and told them I wanted full replacement value coverage. I gave them the invoices to validate the original value and the agent took photos to show what it looks like.

No problems! They insured it as a motorcycle with accessories and issued a policy stating full replacement value coverage for a total loss and/or guaranteed repair to full original condition subject to deductibles.

I have found over the years, that dealing with an agent that you can trust and will be on your side, is more important than the company itself.

Dave

 

[newtriker]

We use progressive and when we changed from bike to trike, they had no problem with it. They knew exactly what I was talking about. We've had no claims so don't know how they deal with that. We also have our RV through progressive but it had to be on a seperate policy. We pay 259 a year for the trike, the motorcycle trailer and the cargo trailer we haul it in.

 

[Cougar]

When I insured the trike, I went to State Farm (who insured my previous Harley) and told them I wanted full replacement value coverage. I gave them the invoices to validate the original value and the agent took photos to show what it looks like.

No problems! They insured it as a motorcycle with accessories and issued a policy stating full replacement value coverage for a total loss and/or guaranteed repair to full original condition subject to deductibles.

I have found over the years, that dealing with an agent that you can trust and will be on your side, is more important than the company itself.

Dave

That is exactly what I did.. no photos yet though. waiting on that

 

[Mr.Wizard]

OK.. OK.. waving the white flag.

Just got my new insurance quote from Progressive for next year. Sicker shock. They want $750.00 for my trike now or a total of $1878.00 for all three combined.

I just hate to say this but I took Fish's advice, darn it! Yes, I called up Foremost.:blush: Yes, I am an AARP member in good standing.

For the same coverage with "less" (that is what I said, less) deductibles they want $391.00 for my trike or a total of $1177.00 for all three.

Nope, I don't want to hear it, shuuuuuush, stop, :drama::busted::blahblah::groan::brushspank:

Waiting on my hard copy of the quote.








P.S. Thanks Fish :goodjob:

 

[tis]

Well thats good news, like I said I went through Foremost, and the price actually dropped below what I was paying for the 2 wheeler.