ADVrider

Go Back   ADVrider > Riding > Regional forums > Northeast - Greater Flugistan and home of the carpet baggers.
User Name
Password
Register Inmates Photos Site Rules Search Today's Posts Mark Forums Read

Reply
 
Thread Tools Search this Thread Display Modes
Old 07-02-2014, 07:12 AM   #1
rpeterk OP
Studly Adventurer
 
Joined: Oct 2007
Location: Cream Ridge,nj
Oddometer: 533
Rider Insurance WTF

Rider has decided to re classify my 09 versys to a sport bike and of course along with comes a 300 dollar increase. An increase that was more then the orginal policy cost. NO changes were made to my policy. How the hell can they get away with this. I have never had a claim where I was at fault and only a few to begin with and am 59. This is just so wrong. They say it is because of the claim rate. I could understand on my cbr954 which I dont even have insured or registered but a 650 twin 57hp versys. WTF are you guys doing that own these things? Learn how to fucking ride. Now its cheaper for me to insure a gs800.

So I am going to change at this point even if I dont save a dime because I am pissed and dont feel it is right . Tack it onto to the newer riders and policies not onto everyone especially if you have never had a claim. this state sucks when it comes to insurance

Who do you prefer?
__________________
TAG PICS http://photobucket.com/rpeterk
Life is not about how many breaths you take, but about the moments that take your breath away.
President OCCR Ocean County Competition Riders
http://www.occr.net/
rpeterk is offline   Reply With Quote
Old 07-02-2014, 08:48 AM   #2
Looksgoodinblack
LooksbetteronOrange
 
Looksgoodinblack's Avatar
 
Joined: Apr 2009
Location: Putnam, NY
Oddometer: 2,743
Progressive. I didn't see any increases in the last 5 years
__________________
Quote:
Originally Posted by Mark_O
I called in with temporary blindness once. I just couldn't see my ass going to work.
'04 DL 650, '03 450 EXC - Plated, '07 X-Challenge

"What has been seen cannot be unseen"
Looksgoodinblack is online now   Reply With Quote
Old 07-02-2014, 09:40 AM   #3
rpeterk OP
Studly Adventurer
 
Joined: Oct 2007
Location: Cream Ridge,nj
Oddometer: 533
Quote:
Originally Posted by Looksgoodinblack View Post
Progressive. I didn't see any increases in the last 5 years
Thank you Yes I see you have a dl650 and that is how I have purposed my versys. TKC80's and all. Its like a truck for me not a damn sport bike.
__________________
TAG PICS http://photobucket.com/rpeterk
Life is not about how many breaths you take, but about the moments that take your breath away.
President OCCR Ocean County Competition Riders
http://www.occr.net/
rpeterk is offline   Reply With Quote
Old 07-02-2014, 09:48 AM   #4
Boatman
Ride more, BS less!
 
Boatman's Avatar
 
Joined: Mar 2005
Location: Petersburg, NY and Woodbridge, VA
Oddometer: 9,749
Progressive here also....

4 bikes, full coverage including $3000 in accessories, $1000 deductible across the board, roadside assistance. 2 riders (wife and me)

One year premium is $200, I pay in full for $41 discount so the actual cost is $159.00

Every year without a claim it goes down.
__________________
08 KTM 950 SE, 09 KTM 950 SE, 04 KTM 950 ADV, 10 Husaberg FE390, 66 Kawasaki B8S Super 150

Hi/low beam conversions for: Trail Tech, Baja Designs
Boatman is online now   Reply With Quote
Old 07-04-2014, 03:47 PM   #5
akarob
Green Cantern
 
akarob's Avatar
 
Joined: Apr 2009
Location: Skuncasville, CT
Oddometer: 7,307
Quote:
Originally Posted by Boatman View Post
Progressive here also....
+1

You do have a choice, and if I were you, I'd choose not to pay them a penny more.
akarob is offline   Reply With Quote
Old 07-04-2014, 04:01 PM   #6
WVhillbilly
Beastly Adventurer
 
WVhillbilly's Avatar
 
Joined: Oct 2010
Oddometer: 7,886
They did the same thing with me on my Super Duke insurance recently.
Went from $125 a year to $755.

Policy runs out 7/22, switching to Progressive then. Around $150/year.
WVhillbilly is offline   Reply With Quote
Old 07-04-2014, 05:36 PM   #7
PWRCRZR
Grumpy Old Bastard
 
PWRCRZR's Avatar
 
Joined: May 2008
Location: Mid-Coast Maine
Oddometer: 7,347
+1 on Progressive... I did recently have a claim, wondering what that will do to my rates. I will say they handled my claim quickly and courteously.
__________________
However, I am not complaining because I know that I am probably better today then I will be tomorrow, so I try and enjoy every day as it comes, and stay determined to live well and be appreciative of what I still can do..."Stromsurfer"
PWRCRZR is offline   Reply With Quote
Old 07-04-2014, 06:29 PM   #8
SnoDrtRider
Got Snow?
 
SnoDrtRider's Avatar
 
Joined: Mar 2006
Location: South Jersey... Close to the Pines
Oddometer: 2,287
Rider sucks... A buddy of mine just went through hell with them on his Harley. It sat for a month at the dealer while Rider was going back and forth on the estimate with the dealer.
Finally after a month they decided to total total the bike because it had a one off custom (very nice I must say) paint job and they didn't want to pay the price to get the paint re-done even though my buddy paid extra to cover the custom work when he got the policy.

We have either geico or progessive my wife handles all the insurance... I am just kept around to keep all the machines and the house working.
__________________
Wayne 2005 BMW F650GS... 1984 HD FXRS
Gone but not forgotten...
'80 Montesa Cota 200, '03 DRZ 400s,
'80 Suzuki GS850G, '74 Honda MT250 Enduro
'71 Kawasaki 100,1971 Honda SL70, Sears Mini Bike
SnoDrtRider is offline   Reply With Quote
Old 07-05-2014, 04:08 AM   #9
jack splash
Two Sheds
 
jack splash's Avatar
 
Joined: Jun 2004
Location: Pt Pleasant, NJ USA
Oddometer: 2,209
Insurance costs.

Hey: FYI, I have rider ins, and still do, but here's my story.

Appx a year ago a "friend" of a "friend" on another BMW X crashed into me on a legal dirt road. We both took an ambulance ride, my hospital bill was over 30K. I had a broken rib or two, separated shoulder, and other soft tissue damage.

The crasher's ins was geico, lowest limits allowed by NJ Law, 15K, 5K, 5K.

Rider then has to cover the difference (15k plus) of coverage because of "under insured motorist coverage".

My Lawyer says Rider can sue the "crashers" personal estate to recover $$$.

It may not come to that, but I'm just sayin, that if you have "assets" and are under insured, and cause an accident, it could cost you alot more than the premium.


.


Jack
__________________
Stay dirty my friends!
Bigfoot has a picture of me!

www.pinebarrens500.org
www.pinebarrensadventures.com

jack splash screwed with this post 07-05-2014 at 06:57 AM
jack splash is offline   Reply With Quote
Old 07-05-2014, 11:50 AM   #10
alexcorral
Beastly Adventurer
 
alexcorral's Avatar
 
Joined: Sep 2009
Location: Danbury, CT
Oddometer: 1,153
I had Progressive until it came time to renew. It was cheaper to get a new policy (exact same conditions) than to renew. It was even cheaper to switch to Geico and maintain the exact same coverage (100K/300K).
__________________
2014 BMW R1200 GS Adventure
2014 KTM 350EXC-F
2013 Harley Davidson 1200 Custom 110th Anniversary
alexcorral is offline   Reply With Quote
Old 07-06-2014, 01:31 PM   #11
rpeterk OP
Studly Adventurer
 
Joined: Oct 2007
Location: Cream Ridge,nj
Oddometer: 533
fIRST Thanks for the help fellas.

Jack
I dont carry the min. I could understand if it was my cbr954 but a barely 60hp versys and they re classify the bike to a sport bike. They are out of their minds. Probably cheaper now to insure a gs800. Charge new customers dont screw the old ones. Not old because I have been with for a while and also a very long time. Never a claim. 59 not 19. How many guys are wrecking these bikes to warrant charging 300+ per customer increase. She says well take the collision of it. I said if I want a policy like that I would have it already. So give me fire and theft without the collision. Oh we cant do that. My comment was start looking for a new customer to replace me. I wont be back even if I have to par the same. On top of that she hung up on me which I let her know would be addressed in the email I am sending rider when i called back.

Will be calling around tomorrow. Have coverage till the 15th.



Quote:
Originally Posted by jack splash View Post
Hey: FYI, I have rider ins, and still do, but here's my story.

Appx a year ago a "friend" of a "friend" on another BMW X crashed into me on a legal dirt road. We both took an ambulance ride, my hospital bill was over 30K. I had a broken rib or two, separated shoulder, and other soft tissue damage.

The crasher's ins was geico, lowest limits allowed by NJ Law, 15K, 5K, 5K.

Rider then has to cover the difference (15k plus) of coverage because of "under insured motorist coverage".

My Lawyer says Rider can sue the "crashers" personal estate to recover $$$.

It may not come to that, but I'm just sayin, that if you have "assets" and are under insured, and cause an accident, it could cost you alot more than the premium.


.


Jack
__________________
TAG PICS http://photobucket.com/rpeterk
Life is not about how many breaths you take, but about the moments that take your breath away.
President OCCR Ocean County Competition Riders
http://www.occr.net/
rpeterk is offline   Reply With Quote
Old 07-06-2014, 03:05 PM   #12
WVhillbilly
Beastly Adventurer
 
WVhillbilly's Avatar
 
Joined: Oct 2010
Oddometer: 7,886
I can understand classifying my Super Duke a sport bike.
But think that should have done it before it was 7 years old.
When I called them the rep told me "we have a lot of claims on those bikes"

Riders is in what, 5-6 states? Since I've owned my SD I've only seen one other on the road.
So I don't think they are seeing "lots of claims" on them. When I asked him how many SDs Riders insured he didn't know.

I would have taken a $50-100 increase, whined a bit and paid it. But not a $632/year increase.
WVhillbilly is offline   Reply With Quote
Old 07-06-2014, 04:24 PM   #13
rpeterk OP
Studly Adventurer
 
Joined: Oct 2007
Location: Cream Ridge,nj
Oddometer: 533
Quote:
Originally Posted by WVhillbilly View Post
I can understand classifying my Super Duke a sport bike.
But think that should have done it before it was 7 years old.
When I called them the rep told me "we have a lot of claims on those bikes"

Riders is in what, 5-6 states? Since I've owned my SD I've only seen one other on the road.
So I don't think they are seeing "lots of claims" on them. When I asked him how many SDs Riders insured he didn't know.

I would have taken a $50-100 increase, whined a bit and paid it. But not a $632/year increase.
Exactly. We get screwed every year with cost increases so something is always expected. $50 would have been allot on a 200+dollar policy.

I doubt they would tell you even if it was starring him in the face.

Years ago my Dad kept bugging me to call good sams for Rv insurance. renewal time was around so I figured what the hell. Mind you RV insurance is very reasonable. I went thru the whole process just about and one of the last things she ask was what state do you live in. I said NJ. Oh my I cant write you a policy if you live in NJ. When I ask her why she told me they tried it and ended up with a 97% claim rate. I questioned her about that figure and she said that as unbelievable as it sounds it is what is was. I can only imagine that we have allot of non drivers in this state or a bunch of corrupt ones.

bob
__________________
TAG PICS http://photobucket.com/rpeterk
Life is not about how many breaths you take, but about the moments that take your breath away.
President OCCR Ocean County Competition Riders
http://www.occr.net/
rpeterk is offline   Reply With Quote
Old 07-06-2014, 08:19 PM   #14
What-2-Do
Gnarly Adventurer
 
What-2-Do's Avatar
 
Joined: Oct 2010
Location: NJ Shore
Oddometer: 308
Progressive here Bob.

I stopped using Rider years ago when my buddy's daughter was a passenger on a bike that her boy friend was piloting, they crashed, her BF was killed. She flew over him landed on the ground with minimal injury's but kept in the hospital over night for observation. Turned out with Rider Ins. (maybe not all of their policy's but in his) the passenger was not covered at all.

Turned out in my policy (not a min policy but not full coverage either to be fair) once i read the fine print the pass was not covered either. My buddy had to pay all his daughters hosp bills or sue the parents of her now dead BF (not gunna happen) and I was happy I never had to find that out the hard way myself. No more Rider Insurance for me.

READ YOUR FINE PRINT!

That's all i've got to say about that.
__________________
Gene & Alex
What-2-Do is offline   Reply With Quote
Old 07-07-2014, 06:02 AM   #15
avc8130
Studly Adventurer
 
Joined: Nov 2008
Location: Northern NJ
Oddometer: 881
Rider did the same thing to me many years ago when I rode SV650s. 1 year it was ~$220 for full coverage, then I got the renewal and they wanted almost $750! I called and asked what was going on. They gave me the same BS about "re-classifying". I tried to persuade the agent as I made no claims and received no tickets that would justify MY policy increase. She said there was "nothing she could do". I did the only thing I could do...switch to GEICO and have never looked back. Poor business practice.

ac
avc8130 is offline   Reply With Quote
Reply

Share

Thread Tools Search this Thread
Search this Thread:

.
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump


Times are GMT -7.   It's 07:49 AM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Copyright ADVrider 2011-2014