Total Motorcycle Community Forums

my bike is an 06 gixxer 750.

13,900 miles. some scuffs on the fairing from low a speed tumble bec of gravel.

i have it insured comprehensive.

i need to renew my insurance this december.

should i just switch it to collision only? or is it still worth insuring comprehensive?

thanks.

What is the bike worth, to you. Realistically.

Would you want to replace it if it was wrecked and your fault? If yes, comprehensive, if no, then don't.

Im just wondering that my bike's value now is pretty low that it's not worth insuring comprehensive.

Comprehensive covers all those things NOT covered by collision, If you're at fault and you're in a collision, your bike is covered it may affect your premiums, but you're covered. A guy parks next to you so close he can't get out of his car, so he opens up the window, gives the bike a shove and now he can get out, damage to the bike from being knocked over, is comprehensive coverage, especially if you don't have a witness to the incident. Just like glass damage, door dings, keyed paint, on a car are all comprehensive claims. So I guess the question would be, "Can you afford to have any comp' damages repaired without insurance?".

Comprehensive insurance is usually pretty inexpensive, not like collision. I carry it primarily to protect myself against theft of my bike.

dr_bar wrote:Comprehensive covers all those things NOT covered by collision, If you're at fault and you're in a collision, your bike is covered it may affect your premiums, but you're covered. A guy parks next to you so close he can't get out of his car, so he opens up the window, gives the bike a shove and now he can get out, damage to the bike from being knocked over, is comprehensive coverage, especially if you don't have a witness to the incident. Just like glass damage, door dings, keyed paint, on a car are all comprehensive claims. So I guess the question would be, "Can you afford to have any comp' damages repaired without insurance?".

I thought sometimes though an insurance company can just "total" your bike if they don't want to pay the high cost of repairs.

For me (and I usually have an older bike) I just go with basic (but maxed) liability. If it's something of value (new or newish) I'll added that plus comprehensive. I've never had collision on a bike as it usually doubles (or triples) the entire policy cost.

Mike

i'll keep comp insurance i guess. i can't buy a new one w/o seriously hurting my bank account.

even though i don't use the bike much lately... i feel that i wanna maintain owning a sport car, sport bike, and a sport bicycle. lolz

Brackstone wrote:I thought sometimes though an insurance company can just "total" your bike if they don't want to pay the high cost of repairs.

They can, but there is a limit. Usually it takes 70% of the actual value of the vehicle including parts and labor.