ohiomike Posted January 7, 2014 Report Share Posted January 7, 2014 I know lots of people who have used Riders (including myself for my last cbr) but I don't know a single person that has a first hand account of how they deal with a claim so for now the VFR stays with AllstateThis was going to be my question-how do they rate handling claims. Quote Link to comment Share on other sites More sharing options...
Revelstoker Posted January 7, 2014 Report Share Posted January 7, 2014 As an FYI for full coverage policy owners: Full coverage has two major components: Comprehensive and CollisionComp = covers fire and theftCollision = covers accident and also (I believe) includes the Medical piece In many cases, once you stop riding or driving, you can contact your agent and SUSPEND the COLLISION portion of your insurance coverage. The bike will still be covered for fire/theft but you cannot ride the bike or drive the car. This will save you some money but you have to resist the tempation to go for a spin if the weather gets nice. I do this for my Mini Cooper with State Farm and it saves me a couple hundred between Nov and Apr. State Farm does not do this for bikes as they supposedly reviewed and repriced their policies based on a 6-9 month riding season. The agent told me they got tired of bikers doing this to them so they just changed their coverage rates to compensate. Other providers still base their coverage on 12 month, so you can suspend and save. I have 3 bikes under Full Coverage and did a compare between SF, Progressive, Allstate and Gieco earlier in the year and I factored in policy suspension. SF was equivalent or better than most other providers for me. I think Gieco ended up being the cheapest after suspension but I got busy and didn't make the switch. SF has always been excellent with claims and I have 32yrs of coverage history with SF. Allstate and Gieco did mention they recognize the long history but I am not sure how it factors into the rates they quoted me. Quote Link to comment Share on other sites More sharing options...
zx3vfr Posted January 7, 2014 Report Share Posted January 7, 2014 As an FYI for full coverage policy owners: Full coverage has two major components: Comprehensive and CollisionComp = covers fire and theftCollision = covers accident and also (I believe) includes the Medical piece In many cases, once you stop riding or driving, you can contact your agent and SUSPEND the COLLISION portion of your insurance coverage. The bike will still be covered for fire/theft but you cannot ride the bike or drive the car. This will save you some money but you have to resist the tempation to go for a spin if the weather gets nice. I do this for my Mini Cooper with State Farm and it saves me a couple hundred between Nov and Apr. State Farm does not do this for bikes as they supposedly reviewed and repriced their policies based on a 6-9 month riding season. The agent told me they got tired of bikers doing this to them so they just changed their coverage rates to compensate. Other providers still base their coverage on 12 month, so you can suspend and save. I have 3 bikes under Full Coverage and did a compare between SF, Progressive, Allstate and Gieco earlier in the year and I factored in policy suspension. SF was equivalent or better than most other providers for me. I think Gieco ended up being the cheapest after suspension but I got busy and didn't make the switch. SF has always been excellent with claims and I have 32yrs of coverage history with SF. Allstate and Gieco did mention they recognize the long history but I am not sure how it factors into the rates they quoted me.most insurance companies don't do that for motorcycles anymore. At least with the 3 different companies I've used. The premium is for a year not 6 months, they do this so they don't have the headache of dealing with sunny day lay up and getting flooded with phone calls of prow wanting to add coverage for a day or 2 and to stop issuing refunds when the cold weather starts Quote Link to comment Share on other sites More sharing options...
Steve Butters Posted January 29, 2014 Report Share Posted January 29, 2014 They won't allow full coverage on rebuilt bikes? Quote Link to comment Share on other sites More sharing options...
Steve Butters Posted January 29, 2014 Report Share Posted January 29, 2014 Gotcha.. Never had geico bike insurance.. Worth asking about, I know progressive offers it on rebuilt bikes Quote Link to comment Share on other sites More sharing options...
Hoblick Posted January 29, 2014 Author Report Share Posted January 29, 2014 Pauly, ill see what i need to give you as referal and pm you as soon as i find out Quote Link to comment Share on other sites More sharing options...
HM Motorsports Posted February 6, 2014 Report Share Posted February 6, 2014 We use riders insurance in house and hoblick is absolutely right, they are one of the cheapest/ best insurance companies in Ohio for motorcycles. I'd recommend them to anyone!Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
Bad324 Posted February 6, 2014 Report Share Posted February 6, 2014 We use riders insurance in house and hoblick is absolutely right, they are one of the cheapest/ best insurance companies in Ohio for motorcycles. I'd recommend them to anyone!Sent from my iPhone using Tapatalk Do you have much experience with their claims processing? Quote Link to comment Share on other sites More sharing options...
Steve Butters Posted February 6, 2014 Report Share Posted February 6, 2014 (edited) Say claims processing one more motherfucking time.... Edited February 6, 2014 by Steve Butters 2 Quote Link to comment Share on other sites More sharing options...
Bad324 Posted February 6, 2014 Report Share Posted February 6, 2014 (edited) I want to change it over but I refuse until I get a first hand account of their claims processing Edited February 6, 2014 by Bad324 2 Quote Link to comment Share on other sites More sharing options...
Harb67 Posted February 10, 2014 Report Share Posted February 10, 2014 (edited) Do they offer accessory coverage now? I switched to Rider from Progressive and saved about 50% on my insurance bill, but the one thing I liked about Progressive was the $3,000 accessory coverage they included. When I started my Rider policy, they were only allowing accessory coverage on cruisers and I couldn't see any way to add it to a sport bike. I need to renew soon - if they now allow accessory coverage on sport bikes, I need to add that ASAP. Edited February 10, 2014 by Harb67 Quote Link to comment Share on other sites More sharing options...
Hoblick Posted February 11, 2014 Author Report Share Posted February 11, 2014 i have accessory overage on all my bikes through rider. Quote Link to comment Share on other sites More sharing options...
Carwhore Posted February 18, 2014 Report Share Posted February 18, 2014 got any contact info for them? looking for a quote. is this them? www.rider.com Quote Link to comment Share on other sites More sharing options...
2talltim Posted February 18, 2014 Report Share Posted February 18, 2014 got any contact info for them? looking for a quote. is this them? www.rider.comyup thats it john Quote Link to comment Share on other sites More sharing options...
Carwhore Posted February 18, 2014 Report Share Posted February 18, 2014 I just called them. They said they don't carry medical payments. So who do you guys go through for that? Quote Link to comment Share on other sites More sharing options...
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