Hack insurance?

Discussion in 'Hacks' started by JerryAtrick, Mar 13, 2018.

  1. JerryAtrick

    JerryAtrick Been here awhile

    Joined:
    Feb 17, 2015
    Oddometer:
    185
    Location:
    Athens, GA
    Called my Georgia Progressive agent when I added the sidecar. He said as long as I maintained collision and comprehensive coverage on the bike, the hack was also covered. After a couple months he emailed, "Per discussion with Foremost underwriting, it has been determined that your sidecar is not eligible for coverage."

    Any info or suggestions?

    Thanks!
    #1
  2. norton(kel)

    norton(kel) vintage

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    CO.
    Drop anybody who uses Foremost underwriting like a hot rock. Foremost will always find a way not to cover you.
    #2
  3. Fstwheels

    Fstwheels Adventurer

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    May 2, 2015
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    Idaho Heartland
    Not sure what year your bike is but both of my hacks, '77 and '85, are with Hagerty. They insure classic cars and bikes and rates are very reasonable. Several years ago the cutoff was 1985 or older. I expect that date has changed since then. Probably something like 1989 or so.
    #3
  4. cog8603

    cog8603 Been here awhile

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    Jul 26, 2016
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    NC
    what do you think the value of your rig is? I only carry liability on mine. if I wreck it, I'll eat the $ and get another one. I'm not financing anything either. I hate the insurance gamble game. but still, curious to see what you find out.
    #4
  5. Strong Bad

    Strong Bad Former World's Foremost Authority

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    I have USAA and they wanted me to swap over the Progressive, I told them no thanks. They (USAA) considers my sidecar to be an accessory.
    #5
  6. We're Here

    We're Here Been here awhile

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    Santa Barbara
    Triple A works for me.
    #6
    Strong Bad likes this.
  7. JerryAtrick

    JerryAtrick Been here awhile

    Joined:
    Feb 17, 2015
    Oddometer:
    185
    Location:
    Athens, GA
    I miss-typed in my original post. My insurance - and the notice that that sidecar will NOT be covered - are both Foremost, not Progressive. Sounds like I need to change companies anyway.
    #7
  8. BMWBUD

    BMWBUD Should be old enough to be better.

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    Progressive .side car value added as accessory. 4 me they are the cheapest. You can buy online. Avoid agent costs.
    #8
  9. kames

    kames Adventurer

    Joined:
    Sep 15, 2017
    Oddometer:
    35
    Location:
    Illinois
    State Farm considers it an accessory also. My agent had to call in and ask, but no problem. Stump the agent is a game I've been playing a lot lately.
    #9
  10. Gezerbike

    Gezerbike I'm Baaaaaaaaaaaaaa......ck

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    Everybody knows this is nowhere......
    I just added my 2013 Tourist to my Dairyland ( Sentry ) Ins for $74 full coverage added to my current $ 384 premium for my 2012 GS and 2006 Majesty scooter, full coverage on both of them as well.
    #10
  11. Wolfgang55

    Wolfgang55 Long timer

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    Have tried our USAA as well. USAA suggested go the Progressive.
    #11
  12. on2wheels52

    on2wheels52 Long timer

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    northern Arkansas
    Same here, bikes are toys.
    State Farm charges by cc, the DL1000 hack is $12.31/every 6 mo., the WR250 is $5.52.
    Decimals are in the correct place :rofl
    #12
  13. Hi-De-Ho

    Hi-De-Ho Mad Scientist

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    I just insured our new hack yesterday, and after a thorough discussion with the customer service bloke, I insured the '86 Goldwing 1200 for full coverage, and the Friendship III sidecar for a value of $ 4,000.....all for a total of $ 98. a year. We discussed whether I should do it that way, or treat the sidecar as an additional accessory, with a $ 5,000 valuation, and it all came out very close to the same in the end.

    I have all my bikes insured through Markel Insurance, and my deductible is now ZERO, as it has worked itself down over all the years of coverage.
    #13
  14. cycleman2

    cycleman2 Long timer

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    Same up here, at least with the private insurance companies, the sidecar is an accessory.
    #14
    Hi-De-Ho likes this.
  15. RockyMtnRoadRash

    RockyMtnRoadRash Useful and decorative

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    Yeah a few too many LT-mobile or combat pay motorcycles were getting turfed so our buds at USAA shopped out motorcycle stuff. I've been surprisingly happy with Progressive though. Went so far as to move my car and house there for a while until USAA said "Please come back we'll be super cheap!"

    As others have noted, the Accessory insurance is damned cheap and worth it.
    #15
  16. windmill

    windmill Long timer

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    Urals like other OE 3 wheelers have the advantage of being OE sidecar rigs so insuring them is straight forward. I have full coverage on my 07 Patrol and 18 M70 through Geico and it took no more effort than providing the VIN.
    #16
  17. BMWBUD

    BMWBUD Should be old enough to be better.

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    GOod for you. When I checked with State Farm, who has all of my other insurance, they were no where that and, in fact, still more expensive than Progressive.

    Are those prices for the bike and sidecar, or for the sidecar only?
    #17
  18. Gezerbike

    Gezerbike I'm Baaaaaaaaaaaaaa......ck

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    Everybody knows this is nowhere......
    My price was for both.....$ 74.00 for the year. But that tales in that that I have 2 other bikes. If I was just insuring my 1200 GS, it would be about what I am paying for 3 bikes.
    #18
  19. Strong Bad

    Strong Bad Former World's Foremost Authority

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    :topes

    It is more about the insurance company than it is about if the rig OE sidecar or not. Most of us have had as little trouble getting insurance for our rigs as you. USAA was just as easy for my GSA based rig as it was for my Ural Tourist.
    #19
  20. on2wheels52

    on2wheels52 Long timer

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    "Are those prices for the bike and sidecar, or for the sidecar only?"

    The whole outfit. Would have been the same w/o the sidecar.
    #20