Check with the eyeball licking Gekko at Geico first.
Quote: http://www.bikersfoundation.org/motorcy ... rance.html
"It was interesting on how custom motorcycles were insured. Whether a bike started as a stock Harley Davidson and has been significantly customized or a custom motorcycle built from the ground up, there are insurance companies that have an agreed upon value coverage option. Since there isn’t a Blue Book value on a significantly modified or custom bike there is custom motorcycle insurance. This type of insurance gives you an agreed upon value and you needed some pictures and an appraisal to get a free quote. One thing to note, since custom motorcycles quotes aren’t standardized they are not as cheap to cover your bike."
http://www.faqfarm.com/Q/Who_will_provi ... otorcycles
Just contacted Progressive and was informed they DO NOT insure custom motorcycles. GIECO doesn't either.
Foremost Insurance Group
Ed Spijker at State Farm Insurance helped me on several custom bikes. Really reasonable rate if good driving record amd live in california. Call 510-278-4000 and ask for Ed or Donna.
Markel Insurance Comapny in Pewaukee, WI will provide insurance. I've been quoted by them. (262) 548-9880.
I just obtained quote from Donna and she has GREAT rates and very customer friendly. Extremely reasonable rate if good driving record amd live in california.
Call 510-278-4000 and ask for Donna.
I am having a very hard time trying to insure my custom built bike. It's an ASPT bike. Markel does not insure custom bike unless you have front and rear blinkers (yeah right) and the rake cannot be more then 38 degrees. Foremost seems to be the only one thus far. The guy that said the insurance rates are high he understated it. I am going to have to pay triple based on normal bike insurance rates. By the way I have a clean record. If anybody has anybody else please post. I am forced to sell this bike even before I get to enjoy it.
If you are referring to Mark Fischer - he has a new site up at:http://www.bikersins.com He can also be reached at 800-537-6311 ext 107. He is going to require an appraisal (from a certified appraiser) even if you fabbed it from the frame up. Even if your bike is 100% one-off full coverage could be provided up to ? in value. He is working with 20 companies across the U.S., Canada and Mexico certified to write an appraisal for custom bikes. I am listed among those 20 companies. The certification is new which as derived from USPAP guidelines. All of the companies have extensive experience in the custom bike industry. Many insurance companies, law firms and financing groups have began to catch wind of this and are concacting me and others for our services. If you have questions regarding appraisals call Mark directly or you can call me at 1-866-266-2227. Bobby Royal
American Collectors Insurance will insure custom and antique bikes very reasonably and they are very easy to work with. i got my 2005 big dog chopper insured for $? for about $? a year. They are GREAT! I think thier number is 800-360-2277.
Just to add, Markell insures my Paughco hardtail. I insured this bike before amendments, turn signals, handle bar height most noted. No problems until the three year appraisal expired. Now they request an appraisal and inform me they cannot insure full coverage because my bike does not meet said underwriter criteria. I was informed we could insure my bike as an actual cash value and not actual agreed value and that it would be around my est. of $?. OK fine, but be aware upon renewal 9/14/05 I talked to a more informed rep and he basically told me I needed to get a new appraisal and that there was no guarantee that I would be insured for $? which is absurd considering my ride! To further insult the appraisal form states my bike cannot be insured! They already took my money! I guess the CO needs to make a DECISION about us. At least I am covered but who knows what they will determine my ride is worth. I do not think you could insure a custom bike and meet their criteria unless they already made money off you...
NEW QUOTE FORM AT http://www.rafraser.com/recreational.php
Most companies will only insure custom bikes for actual cash value subject to limit on the policy.
I write insurance in PA and NJ and Foremost is the go-to company for competitive rates and we write for 3 other bike insurance companies.
Rates and eligibility vary by area, but Foremost will typically write most bikes under $? as long as they are not turbocharged.
Make sure to find an agent who is knowledgeable, and preferably one who rides!
Contact Andrew Rumbold with any questions or Free quotes for PA & NJ at 215-340-1888 or firstname.lastname@example.org
I called American Collectors Insurance and they had a great rate for comprehensive and collision but did not offer Liability required by Texas. Mileage is limited to 2500 miles a year. So I would still have to find another insurance carrier. So I'm still looking. Hacksaw_Rhodes.
Allstate will insure Custom Built Motorcycles. The quotes I received are comparable to normal motorcycle insurance between $? to $? a year for full coverage depending on my coverage selections. The value is determined by the claims folks like any other auto or motorcycle. If I wanted a stated amount of $? then the quote goes way up to $? or more like the quotes from Foremost. Unless you have a bunch of money to throw around or you have a show bike that you won't be riding it seems the only option is normal insurance selection. Apparently Allstate has been insuring Custom Built Motorcycles for a while now because they were able to look up the frame MSO on their system. Both Allstate and Foremost offered me Liability only for about $? a year.
Aslo I received several discounts based on other insurance I have and coverages. Hacksaw_Rhodes.
Try Hagertyhttp://www.hagerty.com/Auto/vehi ... ycles.aspx
They are the leader in insuring custom and collector cars but do the same for motorcycles and boats. They allow you to insure the motorcycle for its actual value and understand the difference between a 40 year old pice of junk worth nothing and a fully restored gem worth ? of dollars. Money sums are a no no...Sorry Kirk...You did a great job in researching this but rules are rules. Pa