insurance information
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Re: Trike Insurance
We have Markel (Bike Line) on both our trikes. They are insured as "HARLEY TOURTRIKE". Had Foremost prior to that. At the time they insured them as a motorcycle with an expensive accessory. We were happy with both companies but got a much better deal for the same coverage from Markel.
We have Markel (Bike Line) on both our trikes. They are insured as "HARLEY TOURTRIKE". Had Foremost prior to that. At the time they insured them as a motorcycle with an expensive accessory. We were happy with both companies but got a much better deal for the same coverage from Markel.
Re: Trike Insurance
I have my vehicles insured with Allied. I called and told them that I added the Hannigan trike kit, which increased the value 3 times. They sent me a letter with the new rate and it went down $31. I'm very happy with the Hannigan, and now I'm happy again! Owen.
I have my vehicles insured with Allied. I called and told them that I added the Hannigan trike kit, which increased the value 3 times. They sent me a letter with the new rate and it went down $31. I'm very happy with the Hannigan, and now I'm happy again! Owen.
Re: Trike Insurance
Foremost, just about the same for my T/G as my other bike. ThumbUp
Foremost, just about the same for my T/G as my other bike. ThumbUp
Re: Trike Insurance
I think Foremost is under the Farmers Ins umbrella.
I think Foremost is under the Farmers Ins umbrella.
Re: Trike Insurance
Hi all I insured with American Modern, It is insured as a custom motorcycle with full replacement value coverage. and a $ 500 deductable. For $ 400 a year. In NY. thats not bad at all.. Dom
Hi all I insured with American Modern, It is insured as a custom motorcycle with full replacement value coverage. and a $ 500 deductable. For $ 400 a year. In NY. thats not bad at all.. Dom
Re: Trike Insurance
As with any insurance, it is good to read the fine print. On Her Purpleness, our previous trike, we had Progressive. They insured the bike as it came from the factory, anything else was under the accessory coverage. They were great when we had our little upleasentness last Sept. We got 2 seperate checks from Progressive after they totaled it: One for the value of the original Goldwing portion, and one for the accessories. The value of the original GW as it came from the factory was lower than I expected, but it didn't have a rear wheel, driveline, saddlebags and anything else taken off to convert the Wing to a trike. They pay 100% of accessory coverage, so make sure you have enough to cover all the accessories as defind under you company policy.
We replaced the 1500 with an 1800, and got our current insurance company to value the factory portion, then added up all the accessories including the Champion kit and labor to intall them then had the agent add "customizaition" coverage to policy. (Progressive doesn't write full coverage on the new trike, just liability, because Missouri considers trike conversions special construction.
Current company insures as a motorycle
with "customization".)
As with any insurance, it is good to read the fine print. On Her Purpleness, our previous trike, we had Progressive. They insured the bike as it came from the factory, anything else was under the accessory coverage. They were great when we had our little upleasentness last Sept. We got 2 seperate checks from Progressive after they totaled it: One for the value of the original Goldwing portion, and one for the accessories. The value of the original GW as it came from the factory was lower than I expected, but it didn't have a rear wheel, driveline, saddlebags and anything else taken off to convert the Wing to a trike. They pay 100% of accessory coverage, so make sure you have enough to cover all the accessories as defind under you company policy.
We replaced the 1500 with an 1800, and got our current insurance company to value the factory portion, then added up all the accessories including the Champion kit and labor to intall them then had the agent add "customizaition" coverage to policy. (Progressive doesn't write full coverage on the new trike, just liability, because Missouri considers trike conversions special construction.
Current company insures as a motoryclewith "customization".)
Re: Trike Insurance
My insurance is with Dairyland, which is the H-D insurance here in Fort Worth. My original softtail with the company seemed like a good deal, now with the Trike I have $20,000 for accessories added and the cost per year for the insurance has tripled. I'm not too happy with that price, since I have a clean driving record, and I think it is time to shop around.
My insurance is with Dairyland, which is the H-D insurance here in Fort Worth. My original softtail with the company seemed like a good deal, now with the Trike I have $20,000 for accessories added and the cost per year for the insurance has tripled. I'm not too happy with that price, since I have a clean driving record, and I think it is time to shop around.
Re: Trike Insurance
In NY. State Trikes Are Concidered Custome Motorcycles. I am sure each state hase its own deal. And on Mine the rates were higher. Good luck and B safe on your new Trike. I have only ben Triking for 2 weeks my self, and it takes a wile to get use to it... All The Best... Don
In NY. State Trikes Are Concidered Custome Motorcycles. I am sure each state hase its own deal. And on Mine the rates were higher. Good luck and B safe on your new Trike. I have only ben Triking for 2 weeks my self, and it takes a wile to get use to it... All The Best... Don
Re: Trike Insurance
I had Pekin Ins. here in Iowa and my 2 wheeler was $220.00. When I contacted them for the 3 wheeler they quoted $700.00. I went with Progressive for $300.00
Nice to here about the other insurance companies. Will contact them next year.
Good luck...Guz
I had Pekin Ins. here in Iowa and my 2 wheeler was $220.00. When I contacted them for the 3 wheeler they quoted $700.00. I went with Progressive for $300.00
Nice to here about the other insurance companies. Will contact them next year.
Good luck...Guz
Re: Trike Insurance
I'm in PA. and have my trike insured for $42,000 replacement value. Plus another $5,000 accessory value. Also have higher limits, especially for under insured and uninsured. Paying $472 with Foremost thru an agent, not AARP. Going thru an agent saved me $100 over the AARP price! Tom :Trike1:
I'm in PA. and have my trike insured for $42,000 replacement value. Plus another $5,000 accessory value. Also have higher limits, especially for under insured and uninsured. Paying $472 with Foremost thru an agent, not AARP. Going thru an agent saved me $100 over the AARP price! Tom :Trike1:
Re: Trike Insurance
I guess I will shop around. I have Allstate and discovered last week I had $1,000 coverage on accessories. I told the idiot it was a trike up front. He is getting me a quote and I will probably look around.
I guess I will shop around. I have Allstate and discovered last week I had $1,000 coverage on accessories. I told the idiot it was a trike up front. He is getting me a quote and I will probably look around.
Re: Trike Insurance
After reading the above posts I checked my insurance and was supprised what I learned. Basically, everything behind the motor is considered an accessory. I had to boost my accessory coverage to be sure the trike had adequate coverage. I am real glad I learned the lesson here as opposed to needing the insurance and finding out coverage was inadequate. Thanks for the heads up.
After reading the above posts I checked my insurance and was supprised what I learned. Basically, everything behind the motor is considered an accessory. I had to boost my accessory coverage to be sure the trike had adequate coverage. I am real glad I learned the lesson here as opposed to needing the insurance and finding out coverage was inadequate. Thanks for the heads up.
Re: Trike Insurance
Was state farm, $385./year just yamaho road star 1700 2007
went to all state as a trike, added $10.000 value.
Now $340.00/year
Was state farm, $385./year just yamaho road star 1700 2007
went to all state as a trike, added $10.000 value.
Now $340.00/year
Re: Trike insurance
I feel your pain. I too was a loyal Progressive customer. At the time I had a new V-Star 1100 insured with them. I had just renewed my policy with them about a month before I purchased my new GL1800 Trike. I called them to add the trike to my policy and was told that I would also be incurring an increase on the annual premium of my V-Star!
You read that right. They were going to to raise the rate on my V-Star! I was furious and asked to speak to a supervisor and was told that was correct. Why in the workd would they raise my rate for adding a new bike to my policy? Most companies would give a multi-vehicle discount.
Anyway, I went in search of a new provider. I ended up going with Markel for the motorcycles despite having my home and three cars with State Farm. I was able to insure the bikes for about 50% of the rates quoted by State Farm and actually have higher limits on that plan.
Have been with Markel since 2008 and I am a fan. Just my two cents! Hope everyone has a safe riding season!
I feel your pain. I too was a loyal Progressive customer. At the time I had a new V-Star 1100 insured with them. I had just renewed my policy with them about a month before I purchased my new GL1800 Trike. I called them to add the trike to my policy and was told that I would also be incurring an increase on the annual premium of my V-Star!
You read that right. They were going to to raise the rate on my V-Star! I was furious and asked to speak to a supervisor and was told that was correct. Why in the workd would they raise my rate for adding a new bike to my policy? Most companies would give a multi-vehicle discount.
Anyway, I went in search of a new provider. I ended up going with Markel for the motorcycles despite having my home and three cars with State Farm. I was able to insure the bikes for about 50% of the rates quoted by State Farm and actually have higher limits on that plan.
Have been with Markel since 2008 and I am a fan. Just my two cents! Hope everyone has a safe riding season!
Hi I just had my 2002 goldwing triked and am trying to get insurance quotes out here in California and it seems to be rather high progressive was 650 a year and Markel insurance was 598 a year do these prices sound high. and what do most of you Carrie help Gary.
AARP/Formost saved me about 50%.
Well u are in California, every thing is outrageous and high...
Progressive sux. I am with Allstate and have the Ultra Glide insured as a motorcycle with a $12,000 option installed to cover the trike part.
Hey guys... new to the site. IM planning a v8 diesel build this year. My state farm agent said they only insure factory built trikes. Do y'all know of a company that insures homemade trikes!?!?! I have all the other roadblocks for my build cleared. Insurance is the last one.
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That's going to take some checking around. Besides the company policy some change based on what state you are in as to what they cover.
I have Allstate and had the same problem, I now have $12,000 accessory coverage.
Unless you have an "agreed value" policy, most insurance will cover the original motorcycle as it came from the factory, and anything else, like the trike kit, aftermarket farkles, custom seats, pin striping, etc is under the accessory or (as my insurance calls it) customization. We have $17,000 of "customization" coverage. The cost isn't that much, and I am thinking of adding to that as the original bike isn't worth all that much - the insurance company values the as from the factory motorcycle without a rear wheel, driveling, brakes, saddlebags, fenders, other missing parts and possibly an altered frame or other systems. The original motorcyle isn't worth much onec you take off the aftermarket parts and trike kit. My ideal situation is to have the coverage of the original bike and the accessory coverage be just a little bit more than what it could cost to replace the rig if it were totaled.
I'm with Foremost and pay $61 a month. What are your coverages? I think I'm 50/100/500. I'm in Kansas.
Thank you I am a USAA member and this is very good to know, I just got my trike and haven't got to get it on the road yet since I am traveling all the time this week in Quebec and part of next week as well but I will get 4-5 days off the end of the month and I plan on getting it legal and getting on the road
I was with Foremost for well over 25 years, No accidents tickets or claims... Very happy with the cost, Then last year they sent me a letter saying that they will be raising their rates 17% in New Jersey....So i switched to GEICO..Dropped my rates in half...
If i live to be a hundred i'll still never understand insurance company's...
If i live to be a hundred i'll still never understand insurance company's...
Progressive & Geico are very competitive unless you happen to be a Berkshire Hathaway employee then Geico will bet any other insurance.
Note some insurance companies offer an additional premium for accessories.
Insure your make and model of your trike like Goldwing and then if the assessor coverage will cover the conversion kit pick that amount of coverage. Trike kit is considered an accessory.
Note some insurance companies offer an additional premium for accessories.
Insure your make and model of your trike like Goldwing and then if the assessor coverage will cover the conversion kit pick that amount of coverage. Trike kit is considered an accessory.
insurance diesel
progressive.same as builders titles,i haave same problem getting insurance cause frame /bike was knot built by manufacturer.progressive will insure it no quetions asked
progressive.same as builders titles,i haave same problem getting insurance cause frame /bike was knot built by manufacturer.progressive will insure it no quetions asked
Just to let everyone know, HD insurance is no longer underwritten by Progressive.
For me, the quote I just got in Missouri saved me 20% for better insurance.
For me, the quote I just got in Missouri saved me 20% for better insurance.
Does anyone have experience with Merkel motorcycle insurance?
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