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Old 12-01-2010, 04:30 PM   #1
typehxr1
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Comprehensive coverage vs Lo-Jack

Anyone else think it's dumb to Lo-Jack a bike instead of getting comprehensive coverage through your insurance provider? I could see them being used in conjunction or comp coverage only, but NOT Lo-Jack only. Sure, it'll help you find your bike, but what if you find it in pieces/destroyed/whatever? I'd rather pay my comp deductible and get a new bike. I am sure someone at some point mulled over paying for one over the other, so I hope this helps sway someone towards paying for more insurance.
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Old 12-01-2010, 09:37 PM   #2
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comp insurance would cost me $4000+/year, lojack cost me about $700 once. Not saying it's the best thing to do for everyone but in my situation, it is. Next bike will be much cheaper and have full coverage.

btw, how did you wad up a 600 then move onto a 1000? You can answer in pm as to not threadjack
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Old 12-01-2010, 11:18 PM   #3
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theft is only a part of comprehensive insurance, and in most cases can be bought as a completely separate rider. Comprehensive also covers things like hail damage, water damage, and when the idiot at the store tips your bike over...

Insurance is merely a testament of your risk adversion.
If you are REALLY worried about your bike, you're willing to pay the premiums to sleep well at night. If you can't afford it, don't buy toys or slow down and stop getting tickets....

PS- I don't know what insurance ya'll have, but FC on my r6 is $91 a month and I'm 25.
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Old 12-01-2010, 11:53 PM   #4
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Quote:
Originally Posted by Senator View Post
PS- I don't know what insurance ya'll have, but FC on my r6 is $91 a month and I'm 25.
When I was 26 FC on an 06 636 was 400 a year. Everything is relative...
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Old 12-02-2010, 12:23 AM   #5
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Quote:
Originally Posted by SexualChocolate View Post
When I was 26 FC on an 06 636 was 400 a year. Everything is relative...
Very true.
We didn't even discuss coverage amounts for that matter...

BOT- I wouldn't sleep well at night knowing that if my bike ever went missing,
lojack might help me recover it.
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Old 12-02-2010, 02:45 AM   #6
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Quote:
Originally Posted by typehxr1 View Post
Anyone else think it's dumb to Lo-Jack a bike instead of getting comprehensive coverage through your insurance provider? I could see them being used in conjunction or comp coverage only, but NOT Lo-Jack only. Sure, it'll help you find your bike, but what if you find it in pieces/destroyed/whatever? I'd rather pay my comp deductible and get a new bike. I am sure someone at some point mulled over paying for one over the other, so I hope this helps sway someone towards paying for more insurance.
no. insurance is stupid.
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