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post #1 of (permalink) Old 12-16-2002, 03:10 PM
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ATV Insurance

Does anyone have insurance on there quad besides me? Does anyone have experience with ATVLine Insurance? https://www.atv-line.com/index.asp
thanks
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post #2 of (permalink) Old 12-17-2002, 06:03 AM
tony1034
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Re: ATV Insurance

I have a 2002 400ex with liability from Rider Insurance in NJ (worst insurance state). I paid @75 bucks for a basic liability policy. Its also registered. I did it for peace of mind. It proves I'm the owner and they can't impound my bike. Also if I hit another rider, hunter, etc ... the liability policy gives me that peace of mind.
Tony
post #3 of (permalink) Old 12-23-2002, 08:29 PM
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Re: ATV Insurance

I have a 2003 Wolverine and I have a comprehensive policy through Progressive. I bought comprehensive for the theft issue as well as in case of major damage. I could afford the bike once...not again if it was stolen or wrecked real bad. It cost me $125/yr. Seems steep to some, but theft is a big issue around here...Washington state...and I wanted the peace of mind. I also registered my bike...theft issue again...proves I'm the owner. In addition, here we cannot ride in ORV parks without tags and Washington will not give ORV tags to non-registered bikes.

I hope that helps!

Cheers!
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post #4 of (permalink) Old 01-02-2003, 05:26 PM
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Re: ATV Insurance

about the theft insurance, what happens if your quad is stolen? like how much money would you get? and who determines how much you'd get? thanks
post #5 of (permalink) Old 01-02-2003, 05:34 PM
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Re: ATV Insurance

My dad and i have theft insurance so if the quads were ever stolen they would give you the amount you paid for the quad.
It was 500 dollars per quad. [img]images/graemlins/AR15firing.gif[/img] [img]images/graemlins/bs.gif[/img]
post #6 of (permalink) Old 01-02-2003, 11:21 PM
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Re: ATV Insurance

The insurance is a replacement cost insurance...so I get enough money to replace the item stolen with a same or like item at the current prices, minus the deductible.

Of course, everything has to be substantiated via police reports and so forth proving the machine was actually stolen. Basically I have to jump through all the hoops to get the money...but it is better than having to come up with the cash myself for a new machine out right.

The premiums are low enough that I could pay the premiums for years before I bought the machine back so it's not too bad. Not ideal, but the better of two evils as I see it.
post #7 of (permalink) Old 01-04-2003, 01:44 PM
MXTrackChick
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Re: ATV Insurance

my dad went on and on about why he wouldn't help out with me gettin a quad... he said the reason he wouldnt cosign with me is b/c i couldnt afford insurance on it when i bought it... so he was sayin that any dealer would make me get insurance until it was paid off..... everyone i talked to said they didnt have to do that (dirtbike ppl... my bfs dad said he never had to) so I wanna know in Texas if thats like a "rule" or something... or is my dad just givin me a load of [img]images/graemlins/bs.gif[/img] like he tends to do.........
post #8 of (permalink) Old 01-05-2003, 01:41 AM
pokie
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Re: ATV Insurance

Thats a good question. When I bought one of my first bikes from a dealer new, some 15 yrs ago I had to insure it before I picked it up because there was a loan on the bike. All the bikes I bought after that one I paid cash for untill the Z400. I have a note on this bike but nothing was ever said about insurance when I picked it up.
post #9 of (permalink) Old 01-05-2003, 07:39 AM
tony1034
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Re: ATV Insurance

I live in NJ, one of the worst states to live in for insurance and rules. I bought a 400ex and have a loan on it through American Honda Finance Corp. They did not require insurance on it. I did register it and get liability, but it was weeks later. I also know other people that financed Yamahas, Hondas and Suzukis and none required insurance.

Tony P.
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