Honda Silver Wing Scooter Forum

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clay_in_co
Winger61
Waspie
hotwings
Old Limey
tinman
10 posters
AuthorMessage
tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 12:17 pm

Price went up again,last year for basic price of one million dollars was $381.00 this year it went up to $426.00 . I never had a accident or speeding ticket.I live and ride in a area with very little traffic ,and ride 5 to 6 month of the year.Im tired of these price hikes. What are the cost in your area,and how many month can you ride. Mad confused
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Old Limey
Silver Wing Expert
Silver Wing Expert
Old Limey


Number of posts : 921
Age : 77
Location : BOLTON LANCASHIRE ENGLAND
Points : 5263
Registration date : 2010-06-09

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 12:40 pm

I understand how you feel tinman. I've been riding for 52yrs and never made any claim on my bike insurance. In England Insurance is compulsary. The chioce is 1 Third party only( if you injure, or are responsible for an accident) they are covered. 2 Third party fire and theft, this includes someone stealing your machine or it accidentaley catching fire. 3 Comprehensive ( this used to cover everything) but, it's not as comprehensive as you might think. I personally have TPF(2), it covers me for the Silverwing and my Burgman 400 which i ride all year round, i paid £95 last year as i have maximum no claims discount of 75%. Smile
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tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 2:57 pm

At 95 a year ,translate that to Canadian $ dollars that would make less than $200.00 a year for two scooters ,you ride in an area that has 100 times the traffic or more.My insurance covers only the other party ,and I have to pay for my own damages . That does not sound right to me. Sad confused
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hotwings
Silver Wing Expert
Silver Wing Expert
hotwings


Number of posts : 876
Age : 51
Location : Ontario
Points : 4533
Registration date : 2012-04-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 4:36 pm

Don't complain Tinman! I pay $795.24 year. I've been riding bikes for 26 years with a clean driving record! My previous "regular" motorcycle was $1200 a year!
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Waspie
Silver Wing Guru
Silver Wing Guru
Waspie


Number of posts : 2392
Age : 69
Location : Portland, UK
Points : 7115
Registration date : 2009-07-26

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 4:56 pm

Sore subject.

I made 1 claim and I lose all my no claims and the premiums go up 65%.

They are so despicable, the industry and the folk who control it. Evil or Very Mad
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https://www.facebook.com/Waspie41
Winger61
Silver Wing Rider
Silver Wing Rider
Winger61


Number of posts : 446
Age : 73
Location : Louth, Lincolnshire, UK
Points : 4595
Registration date : 2010-10-15

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 6:40 pm

I must admit to feeling a little bit fortunate (or lucky) as far as insurance goes. I've got a 6-wheel policy with Carol Nash, to cover the Wing and my car, (1.8 TDCI Ford Focus) fully comprehensive - £251p.a. Got me and SWMBO as named drivers for the car, breakdown and European cover for both vehicles, £50 and £150 excess car and scoot respectively. I'm happy enough with that, seems reasonable to me. (And it went down £11 when I moved to my new address!)

I do think though that some companies in the insurance business are close to legalised robbers, looking at their rates!
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tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 7:17 pm

Hotwings, at $795. You must have full coverage on your Swing. I don't believe in in paying for full coverage on all of my vehicles, you never get the value of the scooter . If I get to much damage on my scooter in a accident like loosing control going into the rhubarb . I will go and buy a good use Swing , and keep the other for parts. Getting insurance involved would only happen if It involved another vehicle.
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clay_in_co
Scooter Rider
Scooter Rider
clay_in_co


Number of posts : 40
Age : 56
Location : Weld County, Colorado
Points : 3401
Registration date : 2012-11-25

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 8:59 pm

Wow! I just set up my new policy with Geico for my new (to me) 2002 S'wing and paid $100 for a year of full coverage with $50 deductible and roadside assistance included. It's as if they just pull a price out of their hats and some get lucky, some don't.
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tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 9:07 pm

Does Geico cover you for 1 million $ or is it less?
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clay_in_co
Scooter Rider
Scooter Rider
clay_in_co


Number of posts : 40
Age : 56
Location : Weld County, Colorado
Points : 3401
Registration date : 2012-11-25

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 9:38 pm

tinman wrote:
Does Geico cover you for 1 million $ or is it less?

Just a little bit less than that. Okay, for the liability part, I have the state minimum, which is still probably more damage than me and the S'Wing could cause, and I don't have anything to sue for. Million dollar policy? Do you have people trying to get into accidents with you?
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tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSat Dec 15, 2012 10:32 pm

As far as I no 1 million $ is what is the minimum, I will look into it and see if there is a lower coverage cost.
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hotwings
Silver Wing Expert
Silver Wing Expert
hotwings


Number of posts : 876
Age : 51
Location : Ontario
Points : 4533
Registration date : 2012-04-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 7:07 am

Geico please come to Canada !!!!!!!!!!!
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tarmacburner2
Silver Wing Guru
Silver Wing Guru
tarmacburner2


Number of posts : 1101
Age : 67
Location : Cleveleys, Lancashire, England
Points : 5505
Registration date : 2010-03-27

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 8:17 am

As an example to varying premiums. One of my cars present premium is just over £300 (call it $500 in toy money), another insurance company (who specialise in insurance for the over 50s) wanted £1550 ($2500). This is Rip-Off Britain by the way where insurance is compulsory (can't get Road Fund Licence (we call it Car Tax) without it.)

Cheers,
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jdeereanton
Silver Wing Guru
Silver Wing Guru
jdeereanton


Number of posts : 1995
Age : 74
Location : Huntsville, AL
Points : 6849
Registration date : 2008-12-24

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 8:45 am

I understand the commisserating over what each of us pay, but...

Insurance is, or rather the cost of insurance is based on many variables including (but not limited to) the age of vehicle, the age of the driver, locations (federal, state, town, zipcode), regulations (federal, state, town, zipcode), credit rating, gender, type of vehicle, size of vehicle, number of interactions with the legal system, number of claims made over a given time, occupation, affiliations with preferred groups, # of policies with given agent, corporate pricing/policies and profit motive. I'm sure there are more variables than what I've listed.

I point this out so that no one will think they can merely compare what they pay to what some one else pays and that's the end of it. The only way get the lowest price for YOU is to shop around and compare agencies.
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http://kimdaleanton.wordpress.com
clay_in_co
Scooter Rider
Scooter Rider
clay_in_co


Number of posts : 40
Age : 56
Location : Weld County, Colorado
Points : 3401
Registration date : 2012-11-25

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 9:21 am

Of course you really save money if you have the means to declare yourself "self-insured." What it takes varies by state. Sometimes, you merely have to be able to show that you have the money to cover the state-mandated liability. Here in Colorado, you also have to own at least 25 vehicles. Another good reason to win the lottery.
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tinman
Silver Wing Guru
Silver Wing Guru



Number of posts : 1299
Age : 73
Location : Matheson, Ontario, Canada
Points : 5098
Registration date : 2011-11-29

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 10:41 am

Just for the risk factor of living in the northern boonies, the insurance companies would be well paid with monopole money . :lol!:
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surlybiker58
Touring Scooter Rider
Touring Scooter Rider
surlybiker58


Number of posts : 350
Location : Elkton , Maryland
Points : 4068
Registration date : 2011-12-11

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 10:48 am

Being an old fart, my insurance for my wing is fairly reasonable.
I'm sure it would change rather drastically if I ever had to make a claim
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DarthJ
Maxi-Scooter Rider
Maxi-Scooter Rider



Number of posts : 195
Age : 47
Location : Hell Paso
Points : 3992
Registration date : 2011-09-27

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 1:31 pm

$360 per year for the Shadow, full coverage including $2k coverage for farkles included (Geico, Progressive wanted $900 per year). $45 per year on registration, (TX allows you to pay for 3 years if you want) and $20 or so per year for inspection.
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clay_in_co
Scooter Rider
Scooter Rider
clay_in_co


Number of posts : 40
Age : 56
Location : Weld County, Colorado
Points : 3401
Registration date : 2012-11-25

MC insurance Empty
PostSubject: Re: MC insurance   MC insurance I_icon_minitimeSun Dec 16, 2012 2:34 pm

Oh goody! Now Geico is offering me a "Storage Plan" special where they will knock 70% off the liability portion of my bill for the winter months if I don't ride during that time. That would be great if (a) I didn't ride during the winter, (b) my liability was more than $25 anyway, and (c) if I wasn't already at the state $100 minimum insurance premium. I guess it would be a good deal for someone with a newer, more valuable bike and/or was a greater risk, due to either the bike itself or the rider's circumstances. For some of us in the States, it might be worth looking at.
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