Hide a key. And Insurance - Kawasaki Versys Forum
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post #1 of 11 (permalink) Old 03-30-2020, 11:01 AM Thread Starter
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Hide a key. And Insurance

Anyone find a good spot to hide extra keys for Ignition and luggage ? Who do you recommend for Insurance? i used Progressive last year but this year I am going to add towing ETC. for my trip. Is Progressive the best?

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post #2 of 11 (permalink) Old 03-30-2020, 11:35 AM
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Yes. I'm not telling where.

Everyone's insurance is going to be different. There are too many factors that insurance companies consider when quoting prices. The best thing you can do and get quotes at as many companies as you can for the same level of coverage and go with the best value.

Here are some of the things insurance companies consider when quoting insurance coverage.

- Education Level
- Credit rating
- Location of bike; Country, State, City, property, garage kept, etc.
- Number of bikes
- Age of rider
- Past Claims
- Traffic offenses
- Job

I am currently with Dairyland insurance. I have been with Allstate, Geico, Progressive, State Farm in the past. I shop around every year before renewal time.
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post #3 of 11 (permalink) Old 03-30-2020, 11:45 AM
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I had a bad experience with Progressive and will never use them again. YMMV, jmho.

Hiding a key depends on your configuration. I might carry a spare in the tank bag if I am going to always remove the tank bag when I am not on the bike. I don't like to make public where my spare is hidden. There are a multitude of places under the Gen 3 plastics where one could attach a key which would not be obvious.
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post #4 of 11 (permalink) Old 03-30-2020, 11:52 AM
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When the markets crashed, the options walked. I had been with a broker for years, every year it went up. Every year I would find out the $$$$$$ about 1 week before it expired. So some staff made a mistake and sent the $$ cost to me while he was on vacation. I went through the roof, did some research and found a company that was over $100 less for identical coverage, on top of that I pay as I ride, first payment is march 2020, and auto debit each month with September being the last payment. It is Primmum Insurance but through TD , renews starting in February https://www.tdinsurance.com/customer-service/contact-us

One thing I can say, the cost varies by over $400 depending on where you live. I am in what is described as the Twin cities, because there are numerous very expensive bikes and many claims in this area, the $$ goes up. If I lived in Aylmer Ontario I could save $400 a year, same coverage. All kinds of other insureres out there, hey get your house and car insured with us, we will give you a deal, well many don't insure bikes, that deal on the bike may look good, but the house just went up $400 , yup been there done that,did I mention the insurance company wanting proof that my chimney was cleaned by a professional, yes the wood stove I haven't used in 8 years. Best to line all your ducks up in a row and make sure you don't have any mallards in the group
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post #5 of 11 (permalink) Old 03-30-2020, 12:02 PM
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Originally Posted by onewizard View Post
When the markets crashed, the options walked. I had been with a broker for years, every year it went up. Every year I would find out the $$$$$$ about 1 week before it expired. So some staff made a mistake and sent the $$ cost to me while he was on vacation. I went through the roof, did some research and found a company that was over $100 less for identical coverage, on top of that I pay as I ride, first payment is march 2020, and auto debit each month with September being the last payment. It is Primmum Insurance but through TD , renews starting in February https://www.tdinsurance.com/customer-service/contact-us

One thing I can say, the cost varies by over $400 depending on where you live. I am in what is described as the Twin cities, because there are numerous very expensive bikes and many claims in this area, the $$ goes up. If I lived in Aylmer Ontario I could save $400 a year, same coverage. All kinds of other insureres out there, hey get your house and car insured with us, we will give you a deal, well many don't insure bikes, that deal on the bike may look good, but the house just went up $400 , yup been there done that,did I mention the insurance company wanting proof that my chimney was cleaned by a professional, yes the wood stove I haven't used in 8 years. Best to line all your ducks up in a row and make sure you don't have any mallards in the group
Every insurer I have dealt with charges more if you don't pay the full amount up front. I always pay in full and put the money away monthly for the next year.
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post #6 of 11 (permalink) Old 03-30-2020, 12:04 PM Thread Starter
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I had a bad experience with Progressive and will never use them again. YMMV, jmho.

Hiding a key depends on your configuration. I might carry a spare in the tank bag if I am going to always remove the tank bag when I am not on the bike. I don't like to make public where my spare is hidden. There are a multitude of places under the Gen 3 plastics where one could attach a key which would not be obvious.
Well that sucks, I was gonna be in Salt Lake next week
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post #7 of 11 (permalink) Old 03-30-2020, 12:46 PM
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Every insurer I have dealt with charges more if you don't pay the full amount up front. I always pay in full and put the money away monthly for the next year.
The total cost per month is equal to the lump sum up front. This is a popular program
If You want I could scan the premium.March is $$$ plus $$$ each month through to September being the last month. The total is to the penny the same as if I paid a lump sum. No discount that I can find anywhere called Pay As You Ride. I make absolutely nothing in interest in the bank, but why draw a lump sum out once a year from my deposited pension, which may make that one month short as to free debit check cashing.
Both my son and I switched the same time. Insurance is a must in Ontario, no choice. The first time I asked, why February, that is just it, given a months notice if I want to shop around, and I have.
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post #8 of 11 (permalink) Old 03-30-2020, 05:54 PM
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I am currently with Dairyland insurance for the AZ Versys, and have been since '09. Around $300/year full coverage.

BC? You better be RICH...!

I have added a key to my Vs w/ a small amount of "GOOP", in an out-of-the-way place. IF I ever need it, I'll have my work cut out, but it IS there.
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post #9 of 11 (permalink) Old 03-31-2020, 11:38 PM
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I had a bad experience with Progressive and will never use them again. YMMV, jmho.
+1 on the will never use Progressive again.

I figure the more an insurance has to advertise how "good" they are, the poorer their customer support is. I can't talk about specifics with my recent experience with Progressive...because of lawyer reasons...but maybe one day I will.
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post #10 of 11 (permalink) Old 04-01-2020, 09:56 AM
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+1 on the will never use Progressive again.

I figure the more an insurance has to advertise how "good" they are, the poorer their customer support is. I can't talk about specifics with my recent experience with Progressive...because of lawyer reasons...but maybe one day I will.
Interesting. I've had Progressive on my motorcycles for over ten years, the car and Roadtrek RV for over five.

I hit a critter(raccoon) with my old C-10 Connie and I had a check in less than 48 hours. This was about 6-7 years ago.

The wife had a collision with an airborne mud flap off of a large motor home on I-75. As it was still airborne it was covered under comprehensive. They referred my to a highly regarded body shop and the work and everything else was seamless and drama free.

There are also deductible forgiveness programs for being a long term customer.

This is all through an independent agent in Lake County, FL.

The two bikes with high liabilities and full coverage on the Versys and just liability and towing on the KLR runs just over $200 per year. I do not have uninsured motorist(very$$$) as US Medicare will cover that if necessary.

I did check with Markel(sp?) and Dairyland a couple of years ago. They were 50-100% more money and I would lose my "no deductible bonus".

As mentioned earlier, insurance is highly variable with a lot of things in play to determine rates, and likely level of service and hassle. My credit score is over 800 and I have a clean driving record.

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And most of Canada too, eh?
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post #11 of 11 (permalink) Old 04-01-2020, 04:13 PM
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...I have added a key to my Vs w/ a small amount of "GOOP", in an out-of-the-way place. IF I ever need it, I'll have my work cut out, but it IS there....
...and was checked while I was working on the bike the other day - STILL there!
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