BigKRIT
Member
This insurance company gives you a quote but right away says motorcycles are on a restricted list and sends it to underwriting for 3 full days for "approval", when they finally get back to you the answer is move your auto/home policy over and we will give you the quoted price, if not then we cannot insure you.
They basically use their initial quote to make more money off home/auto insurance. They know $1000 policy is not as lucrative as a $3000 home/auto/motorcycle policy. Since they know you have other vehicles at your house they want all of your business not just the motorcycle. This makes sense but why not tell the person this before you make them wait 3 days and send to underwriting? The word "restricted" rolls off their tongue right as you say you need a motorcycle quote.
Honestly, I find this tactic very sketchy. I understand you want more business but just tell me you will not insure me because the 300cc bikes are on 'restricted lists' unless i give you more money
If you agree to switch 3 policies over, that is another 3 days becuase it has to go back to an underwriting department that seems to be just one person. So it will take literally one whole week to tell you "yes" or "no"
Honestly, I would not recommend this company to anyone. I can only imagine how bad it would be to deal with them when you need to file a claim, probably tell you to wait 5 days until the claims department has time to look at your claim. I should have just avoided them once I saw the 2 star google ratings.
License: M2
Age: 30
Bike: Ninja 300
They basically use their initial quote to make more money off home/auto insurance. They know $1000 policy is not as lucrative as a $3000 home/auto/motorcycle policy. Since they know you have other vehicles at your house they want all of your business not just the motorcycle. This makes sense but why not tell the person this before you make them wait 3 days and send to underwriting? The word "restricted" rolls off their tongue right as you say you need a motorcycle quote.
Honestly, I find this tactic very sketchy. I understand you want more business but just tell me you will not insure me because the 300cc bikes are on 'restricted lists' unless i give you more money
If you agree to switch 3 policies over, that is another 3 days becuase it has to go back to an underwriting department that seems to be just one person. So it will take literally one whole week to tell you "yes" or "no"
Honestly, I would not recommend this company to anyone. I can only imagine how bad it would be to deal with them when you need to file a claim, probably tell you to wait 5 days until the claims department has time to look at your claim. I should have just avoided them once I saw the 2 star google ratings.
License: M2
Age: 30
Bike: Ninja 300