An email from Geico

[truck]

Looks like they can save some people some money with a six month policy.

Research has shown that the winter blues are caused by long hours of darkness, frigid temperatures, and fewer motorcycle rides. Break free from cold-weather weariness by putting some green back in your pocket â€" enroll in GEICO's Winter Season Storage Plan today!

If your bike hibernates between October 1st and April 1st, you can take advantage of this great savings opportunity. To find out more, and even enroll, simply log in to your policy at geico.com.

It's that easy! You'll save a bundle and have peace of mind knowing that your ride is safe during those gray winter months.

Thanks for being part of our GEICO family.

Sincerely,

Your GEICO Powersports Team


PS: You may request to remove your bike from storage prior to 04/01/2012. Simply log in to your policy and select "Contact Us" under the Resource Center to send an email letting us know the date you will be putting your bike back on the road.

[truck]

  In Pennsylvania you are requested to send your license plate back to the DMV if you vehicle isn't insured. I wonder there's a way around that?

[War Horse]

Well now , isnt that awfull nice of them....... 

[IndyHarley]

I only pay $256 a year for full coverage anyway on '08 Ultra.

[Skullfork]

I only pay $256 a year for full coverage anyway on '08 Ultra.

About the same for me too (Riders) ...it certainly pays to shop around. Geico for me has always been one of the more expensive when checking prices. Guess they have to pay for all the expensive advertising they do ...and Paul Jr's collecting a check from them too!

[truck]

Boy! This thread ran off the road in a big hurry.

[barhopper]

In Pennsylvania you are requested to send your license plate back to the DMV if you vehicle isn't insured. I wonder there's a way around that?

It's the same deal here in Georgia. Hey, if your bike is stolen between October 1 - April 1, will it still be covered? If I couldn't ride from October 1 - April 1, I would save my self a bundle and sell my bike and buy a convertible. GEICO's plan=fair weather riders

[PoorUB]

State Farm told me that insurance for my Ultra for 6  months out of the year is the same price as 12 months. They assume the motorcycle will be stored the winter months and bill accordingly. My ride is covered all year, even when stored.
Still cheaper than Geico.

[truck]

Riding conditions north of the Mason-Dixon line during that time period are quite a bit different from conditions in Georgia. Up here when we get a nice 40* degree day we still have lots of salt and gravel all over the roads. Melting snow mixed with salt, not good for the bike.
I used to ride in cold weather but not anymore, got smarter as I got older I guess.
Still wondering if they have a work around for the send in your plate thing?

[MrClean]

Any idea on what parts of the policy they will stop?

[IndyHarley]

I guess my point is that I can get full coverage year round for cheaper than doing the Geico reduced non-riding months. What if during the non-riding month you want to ride - it'd probably be a hassle to get riding permission again as usually weather is not that forgiving. the point being also that of course they should give you better rates for not riding as their risk/obligation is practically nil, except for theft probably. theft probability is very low if it is stored and what if any conditions are there on where it is stored, etc. etc. therefore just having affordable year round coverage is a better route for me. even in real bad environs the weather sometimes surprises us and we can ride. I've never known an insurance company to do something that won't be coming out ahead of the customer.

I know I rambled truck but it just seems like a gimmick to me unless you are already insured with them maybe but geico is over double my present bike insurance on the same coverage where I live. I ride year round if there is no snow on the ground/roads and that is not very predictable so I would never try to save for 'not riding' unless the year round policy was just simply to high.

I also can't stand that geico lady or is that progressive ?? LOL.

[IndyHarley]

Any idea on what parts of the policy they will stop?

probably all but theft would be my guess.

[serider]

I inquired once about stopping insurance for the winter months. My agent said with it stored, if it was stolen or burned up in the garage it would not be covered as I would have no insurance. Homeowners policy also would not cover it either,  as they do not cover motor vehicles. The full year rates here in N.Y. are called sunny day policies, as they know you will not be riding during the winter but takes into account that if you get an occasional sunny day you may go for a ride. Rates are figured accordingly.

[tdkkart]

State Farm told me that insurance for my Ultra for 6  months out of the year is the same price as 12 months. They assume the motorcycle will be stored the winter months and bill accordingly. My ride is covered all year, even when stored.
Still cheaper than Geico.

I remember when SF switched to the full year policy. It was primarily because it was such a PIA having people cancel every fall and then re-up in the spring, and yes to also cover those who's house burned in the middle of winter and the bikes weren't covered. They switched it over to a 12mo policy and just saved the hassle.
My SF insurance is just stupid cheap, so much so that I have asked several times if I was covered the way I should be.

[MikeL]

I have to agree State Farm is cheep and provides well. I have my 2k rkc covered by SF. My pos 80 shovel I have a Rider Ins policy with nothing on it but minimum. I tried to get a 6 month policy.Had to settle for a full yr minimum coverage. SF has only full coverage ie, collision, theft, and comprehensive and I don't need that on the 80.
Truck don't know the specifics in PA but in the Peoples Republic of NJ which wants to squeeze every last penny out of you. I have let vehicles sit without insurance and still used the plate as long as the registration didn't lapse. Your supposed to surrender the plate when you un insure. I don't think any state has the processing power yet to follow up on lapsed insurance policy's. Cops do but that is on a per stop look up.

                                                                                        MIKE 

[Kwayz]

Georgia does it by cancelling your license plate (tag) if they get a cancellation notice from the insurance company.  If the insurance company's notice to the state doesn't show that you no longer have the vehicle (sold it, totalled it, etc...), Georgia sends you a notice that the state is cancelling your license plate, and *poof!* you're the owner of a big hassle trying to get it reinstated. 

Of course, Georgia also now has state resident's insurance information computerized, so LEO's can pull it up right in the car when they pull you over, but it is still also a ticketable offense to not have "proof of insurance" with you if you are pulled over.   

[rel3rd]

Most of you guys seem to be assuming that the bike will have NO coverage, which isn't what Geico is offering. They are offering a limited policy, as most all states require that you have at least a bare minimum liability coverage to even have/acquire a license plate. My guess is that you'd have liability and comprehensive. Liability, because you have to have that in order to get tag, and Comprehensive since theft, vandalism, etc., is covered by that. I'd bet the only thing they do is allow you to temporarily drop the Collision coverage since the bike is supposed to be parked anyway and there'd be no risk of collision on a parked bike.

Like said above, if you do not have a motorcycle policy that covers fire, theft, etc., (i.e.comprehensive) then you would be screwed since homeowner's doesn't cover it.

I actually have Geico because they have always been cheaper for me with all of my insurance needs, and the little bit I pay ($238) per year for year-round full coverage isn't even worth the hassle of trying to save a couple dollars by basically being forced to park the bike for 6 months. I actually like cool/cold weather riding better than 100 degree humid weather riding myself anyway... 

[Bakon]

State Farm told me that insurance for my Ultra for 6  months out of the year is the same price as 12 months. They assume the motorcycle will be stored the winter months and bill accordingly. My ride is covered all year, even when stored.
Still cheaper than Geico.

same here. Love state farm's customer service. would not be worth $100 to change.