Has anyone had any luck finding an insurance carrier to cover a bike set up with the mountain horse kit? I can't find anyone to cover even the bike while the kit is attached to it. They will cover the bike itself, but if the kit is attached it will void the coverage. I know the sport is relatively new. My concern isn't if I do damage while riding it. The concern is if I flip my trailer enroute and it's totalled or my shop burns down. I have no coverage for not only the kit but the bike if the kit is installed.
Insurance Coverage
- Thread starter PROJack66
- Start date
I found it easliy with Beacon underwriters in BC. it was expensive so I never went for it.. about $10 per $1000 dollar value well somthing around there. really good coverage. just im cheep
Insurance
Why would it not be considered an accessory? I know on my coverage the will cover 2500 in accessories but after that you have to pay more? I would asked for the contract... Lets say you decided to install gold wheels then they would cover those but you would have to up the coverage? FYI I have Geico.
Why would it not be considered an accessory? I know on my coverage the will cover 2500 in accessories but after that you have to pay more? I would asked for the contract... Lets say you decided to install gold wheels then they would cover those but you would have to up the coverage? FYI I have Geico.
Western States insurance will insure your bike plus $5000 in extras. So I am going with them and its reasonable too.
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I am not an insurance expert but I suggest looking carefully at your insurance contract. I was looking for a dualsport/snowbike policy through USAA and Progressive. They will also cover up to $5K in "extras". While contracts from company to company and state to state will vary, I suggest ensuring that the insurance contract meets your needs. Are you aiming only for comprehensive coverage (to cover the current value or replacement value of the Timbersled kit and bike) or are you aiming for liability coverage (in the event you accidentally hit someone with your bike) or are you looking for both or any number of other coverages? There's no right or wrong answer here, but I recommend ensuring your insurance company is actually insuring your needs. The best way to do that is to be very clear about the verbiage in your contract. I too am having difficulty finding coverage for the snowbike. Progressive wouldn't do it. I saw the post below about Geico and just called them up to get coverage. I spoke with Geico's motorcycle/atv department and they made it clear that they would NOT provide comprehensive or liability coverage for a motorcycle that was converted to a Timbersled snowbike. They suggested that Geico's snowmobile department MIGHT write a policy for the snowbike, but that Geico would be unable to ensure the bike during the summer months with wheels on if I am converting it to a snowbike in the winter. Personally, I'm not really concerned with cost of replacing my bike in an accident, but I would like to be covered in the very unlikely event that I accidentally hurt someone and end up liable for a mountain of medical costs and damages. Again, there's no right or wrong answer about what coverages are appropriate. Those decisions are for each of us to determine on our own. My aim here is not to go around about what Geico or other companies will or wont do or said or didn't say . . . but instead to suggest that you are crystal clear that the coverages you decide you want or think you have will actually be covered in the event of an accident. Over the years, I've been in a few insurance disputes that were ultimately determined by relatively subtle clauses or exclusions in my insurance contracts.
All that said, let me know if someone is aware of a company that will provide year-round liability coverage and potentially comp coverage for a street-legal dirtbike with a Mountainhorse. Thanks guys!
All that said, let me know if someone is aware of a company that will provide year-round liability coverage and potentially comp coverage for a street-legal dirtbike with a Mountainhorse. Thanks guys!
This thread inspired me to call additional insurance companies today. I was looking for bodily injury (250K per person/500K per acc) and property damage liability (100K). Foremost insurance (subsidy of Zurich and Farmer Ins) quoted me $314/yr for the coverage above on my street-legal dirtbike with the Mountainhorse. Foremost will provide comprehensive insurance for an additional $458/yr.
UPDATE 3DEC12: I called Foremost today to purchase the policy and they now claim they are unable to issue a policy that will cover a snowbike.
UPDATE 3DEC12: I called Foremost today to purchase the policy and they now claim they are unable to issue a policy that will cover a snowbike.
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Rush44
Well-known member
I have USAA, and they are quite possibly the BEST insurance company on the face of the planet. If you are a former Service member or a direct descendant of a Service member you are doing yourself a great disservice by not being with them.
However, I did spend quite a bit of time on the phone with USAA and their risk evaluators trying to put together a policy that would protect my snowbike the same way they protected my snowmobile. What is all comes down to is legal registration in their eyes. They can write a policy for a dirt bike since the state will legally acknowledge my KX as a dirt bike when the wheels are on. They can write a policy for my snowmobile since the state will legally acknowledge my old M1000 as a snowmobile. The snowbike is a different story since it technically falls somewhere in between. Their advice to me was to get my snowbike registered as a OSV with a normal OSV tag and then they could most likely write the policy.
So, my plan is to have both a dirt bike and snowmobile tag on my snowbike in order to cover all my bases. USAA will allow me to insure the bike for 6 months as a dirt bike and then switch over to their "snowmobile" program for the other 6 months. We will see if it works!
However, I did spend quite a bit of time on the phone with USAA and their risk evaluators trying to put together a policy that would protect my snowbike the same way they protected my snowmobile. What is all comes down to is legal registration in their eyes. They can write a policy for a dirt bike since the state will legally acknowledge my KX as a dirt bike when the wheels are on. They can write a policy for my snowmobile since the state will legally acknowledge my old M1000 as a snowmobile. The snowbike is a different story since it technically falls somewhere in between. Their advice to me was to get my snowbike registered as a OSV with a normal OSV tag and then they could most likely write the policy.
So, my plan is to have both a dirt bike and snowmobile tag on my snowbike in order to cover all my bases. USAA will allow me to insure the bike for 6 months as a dirt bike and then switch over to their "snowmobile" program for the other 6 months. We will see if it works!
Rush44,
Keep me updated. I've been with USAA since I was 18 and ditto your comments. I had multiple conversations with USAA and Progressive (USAA doesn't write motorcycle policies but refer their clients needing motorcycle policies to Progressive) and Progressive seemed very clear when they ultimately told me they could NOT insure the bike with a Mountainhorse kit on it. Please let me know if you're able to generate a solution with USAA as I would love to maintain all of my policies with them. Thanks!
Keep me updated. I've been with USAA since I was 18 and ditto your comments. I had multiple conversations with USAA and Progressive (USAA doesn't write motorcycle policies but refer their clients needing motorcycle policies to Progressive) and Progressive seemed very clear when they ultimately told me they could NOT insure the bike with a Mountainhorse kit on it. Please let me know if you're able to generate a solution with USAA as I would love to maintain all of my policies with them. Thanks!
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Rush44
Well-known member
You are correct that Progressive is who they refer those particular policies to. It's weird because it seems like they almost have a Progressive department inside of USAA since two people were actively talking to each other about this issue the last time we talked.
I'll keep you updated. I plan on registering my bike as an OSV when I get back from San Diego for early Christmas.
I'll keep you updated. I plan on registering my bike as an OSV when I get back from San Diego for early Christmas.
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Cat Bandit
Well-known member
I havent tried the insurance yet, but my bike is registered as an orv, and as a snowmobile... I'm hoping that they (progressive) will help me out...
