They gave me money ... then took it back! - Victory Forums - Victory Motorcycle Forum
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post #1 of 19 (permalink) Old 05-30-2013, 11:34 AM Thread Starter
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Default They gave me money ... then took it back!

When I changed insurance over from my Wing to the Vic, the ins agent said I would get a refund of appx $225 ... wooo hooo I thought and off I went with a smile.

I got the cheque a couple days ago and then I started thinking about it....

This was for basic 3rd party insurance for only 7 months which I paid just under $600 for. How could the Vic, which is of the same size category, cost that much less???

So, I inquired.

Insurance/registration papers have a box for engine size in cubic centimeters. Motorcycles are rated based on that.

The Wing was 1800cc

The Victory, which is not a "Japanese" make, is listed as 106 .... cubic inches.

The insurance agent didn't realize that and put 106 in the cubic centimeters box which gave me an insurance rate for a motorcycle under 400cc.

Crap!!! ... now I got to go have my documentation re-done and give the money back .
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post #2 of 19 (permalink) Old 05-30-2013, 12:02 PM
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Quote:
Originally Posted by SilvrT View Post
When I changed insurance over from my Wing to the Vic, the ins agent said I would get a refund of appx $225 ... wooo hooo I thought and off I went with a smile.

I got the cheque a couple days ago and then I started thinking about it....

This was for basic 3rd party insurance for only 7 months which I paid just under $600 for. How could the Vic, which is of the same size category, cost that much less???

So, I inquired.

Insurance/registration papers have a box for engine size in cubic centimeters. Motorcycles are rated based on that.

The Wing was 1800cc

The Victory, which is not a "Japanese" make, is listed as 106 .... cubic inches.

The insurance agent didn't realize that and put 106 in the cubic centimeters box which gave me an insurance rate for a motorcycle under 400cc.

Crap!!! ... now I got to go have my documentation re-done and give the money back .
Curiosity killed the cat. Meow! Moral of the story: next time don't ask. For best results, just let the professionals handle it.

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post #3 of 19 (permalink) Old 05-30-2013, 12:12 PM
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The insurance agent didn't realize that and put 106 in the cubic centimeters box :
The only number any insurer wanted from me is the VIN. That, if correct, eliminates all such problems. Puzzling that they would not want that but want a bunch of info they don't understand anyway.



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post #4 of 19 (permalink) Old 05-30-2013, 12:25 PM
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I'd have shut up.
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post #5 of 19 (permalink) Old 05-30-2013, 01:22 PM Thread Starter
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Curiosity killed the cat. Meow! Moral of the story: next time don't ask.
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Originally Posted by depot picker View Post
I'd have shut up.

Sure ... leave it alone and then when something happens and they disqualify you because it was incorrect (in this case not properly insured) ... I'd be paying thru the nose for the rest of my days.

Nope, I'm not the kind of guy to take that chance ... too old and too wise to let myself get screwed by some red tape mixup.

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For best results, just let the professionals handle it.
When I want the best results, I become the "professional" coz nobody else is gonna look after my arse better than me.
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post #6 of 19 (permalink) Old 05-30-2013, 01:24 PM Thread Starter
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I'd have shut up.
I notice you list a Harley luggage rack in your sig ... how is that working out for you? Any issues mounting it? Got any pics of it to share?
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post #7 of 19 (permalink) Old 05-30-2013, 01:26 PM Thread Starter
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Originally Posted by Famscoot View Post
The only number any insurer wanted from me is the VIN. That, if correct, eliminates all such problems. Puzzling that they would not want that but want a bunch of info they don't understand anyway.
Oh, you still have to provide the VIN but I guess they don't have a system that can determine the cc's based on VINs and it's the cc of the bike that determines the rate class around here.
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post #8 of 19 (permalink) Old 05-30-2013, 02:12 PM
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Sure ... leave it alone and then when something happens and they disqualify you because it was incorrect (in this case not properly insured) ... I'd be paying thru the nose for the rest of my days.
You've done your part of providing everything that was asked of you (perhaps a copy of the bill of sale, bearing the VIN#, engine size, etc.). If you got into an accident and they discovered they had the wrong info and charging you the wrong rate, that has no bearing on you. It's their mistake. That's a 60 second case in court, which is why it would never make it to court. But, props to you for being honest.

Please add your bike's year and model to your signature. Here's why.
------------------------------------------------------------------------------
Riding: 2011 Cross Roads & 2016 Springfield
------------------------------------------------------------------------------
---------------------------------------
Blest with victory and peace, may the heav'n rescued land
Praise the Power that hath made and preserved us a nation.
Then conquer we must, when our cause it is just,
And this be our motto: "In God is our trust."
And the star-spangled banner in triumph shall wave
O'er the land of the free and the home of the brave!
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post #9 of 19 (permalink) Old 05-30-2013, 02:24 PM Thread Starter
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It's their mistake. That's a 60 second case in court, which is why it would never make it to court.
Trusting them to own up to their mistake IMO is a big NO NO ... Insurance companies will do whatever they can do to get out of paying a claim. We have a government run insurance co here and the policies are sold via private insurance agencies so now you have a 3-way battle, one blaming the other ... and it probably would wind up in court ... meantime since the Ins co is not accepting blame and the agency is not accepting blame, I am being sued for liability .... and it takes months ... maybe years to be settled .... no friggin thank you! Too many horror stories that I've either been involved in or heard of when it involves insurance companies. Cover your own arse first... is my motto and for a couple hundred bucks in this case, it's well worth it.

It's a "buyer beware" world ...
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post #10 of 19 (permalink) Old 05-30-2013, 03:59 PM
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Nope. It's on the insurance company. You gave all documentation you are covered. Not a problem, ever. BTW if your insurance company can't figure rates based on VIN I would start looking for a new company. If their technology is that antiquated I would imagine a claim would take months. To pay out

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