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Title: Bike insurance Post by: muskrat on January 31, 2011, 11:12:56 AM I just got a quote from http://www.strictlycycles.com (http://www.strictlycycles.com) at 972-540-1900, his name is Wayne.
It's half the price of what I'm paying for all three bikes at $632 with Dairyland. Thought I'd pass it along. Title: Re: Bike insurance Post by: fastwin on January 31, 2011, 02:19:27 PM Dax,
How'd you find this guy and who is the underwriter on the policy? Is it also full coverage? As theft, un-insured motorist, collision and liablity. Thanks for posting. [thumbsup] Title: Re: Bike insurance Post by: system error on January 31, 2011, 03:42:15 PM I called and the guy gave me a great quote but it was without un and underinsured coverage. He said to just use my major medical insurance instead.... still not sure. When I added my exact coverage that I have now it was more expensive. :'(
Title: Re: Bike insurance Post by: muskrat on January 31, 2011, 04:12:39 PM It's Dairyland and I don need medical as I'm covered through work as long as I'm wearing a helmet which I always do and yes all the coverages mentioned
Title: Re: Bike insurance Post by: greenohawk69 on January 31, 2011, 06:36:22 PM It's Dairyland and I don need medical as I'm covered through work as long as I'm wearing a helmet which I always do and yes all the coverages mentioned If I am reading your response correctly, your insurance company requires you to wear a helmet to be covered? Or is it your place of employment? Title: Re: Bike insurance Post by: muskrat on January 31, 2011, 06:49:36 PM I'm not required to by our Health providor BUT they can deny a claim.........so it says but I know the AMA has filed a discrimination lawsuit to that end.
Title: Re: Bike insurance Post by: calscrazy on January 31, 2011, 07:26:50 PM That is true dax. Aetna denied a claim a few months back for that reason. The state that it happened in had a helmet law and that was what gave them the edge!
Title: Re: Bike insurance Post by: muskrat on January 31, 2011, 07:57:28 PM Just read the policy and it doesn't cover uninsured so I'll check back tomorrow n report findings
Title: Re: Bike insurance Post by: TresGatos on January 31, 2011, 08:16:42 PM Hmmm. Insurance is so fing complicated! I chose Geico for all my coverage for multi discount, but I still pay for all the stupid commercials [bang]
At least they paid 4K for my ten year old stolen DR650. Title: Re: Bike insurance Post by: muskrat on February 02, 2011, 03:09:19 PM update........$563 full coverage for all three bikes per year. I'm not carrying uninsured because I have major medical and comprehensive covers property damage and bike replacement for some asshole without insurance.
Title: Re: Bike insurance Post by: system error on February 03, 2011, 09:15:31 AM Never hurts to review the policies. I checked and saw that I had more un and underinsured coverage on the bikes than I did on the car ???. So, after calling to make that adjustment I ended up saving $444 a year which I then turned around and used to help fund an umbrella policy for 1.5MM which cost $150 a year. They made me increase my renters coverage to 300k for an extra $9 a year and my auto liability to 500k for an extra $60/yr so net net I have WAY more coverage and still ended up saving over $200 a year. Works for me. [thumbsup]
Title: Re: Bike insurance Post by: muskrat on February 03, 2011, 09:23:52 AM I kept my umbrella policy with state Farm forthe same coverage
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