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@vyatka avatar
UTC

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'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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UTC quote
I just got a quote for adding 946 to my policy (primavera and PX). My annual premiums for both shifties is $99. I was stunned when Geico informed me that 946 will cost just additional $99 a year. If they made no mistake my reaction is "Wow"...
How much does average policy for modern auto Vespa cost?
@the_mocker avatar
UTC

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UTC quote
That is impossible to answer unless we know what your particular policy covers. There are all kinds of coverage options.
@ckaiserca avatar
UTC

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UTC quote
I am stunned by the rates people I know in the states have for their scooters and motorcycles.

I am paying $60.00 a month for my GTV in Ontario, Canada.
@wmak avatar
UTC

Moto Giro Titan
2009 GTS 250 Super Lucrezia Borgia, 2013 Ducati Hyperstrada, Little Big Red,2020 Zero SR/S, Zeus, Electric Dragon
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UTC quote
My GTS policy is cheap. The Ducati, on the other hand, adds some spice to the party.
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@vyatka avatar
UTC

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'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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UTC quote
The Mocker wrote:
That is impossible to answer unless we know what your particular policy covers. There are all kinds of coverage options.
Just checked my policy:
Bodily injury 20,000/40,000
Property damage liability10,000
Uninsured motorist 20,000/40,000
Property damage 10,000
Underinsured motorist 20,000/40,000
Underinsured motorist Property damage 10,000
Comprehensive $1000 deductible
Collision $1000 deductible
@dooglas avatar
UTC

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@dooglas avatar
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UTC quote
You have comprehensive, collision, and uninsured/underinsured motorist coverage. You just insured a scooter that cost the better part of 11 grand. Comprehensive, collision, and uninsured/underinsured motorist will be proportional to the value of the scooter.

(as an aside - unless you have very few assets to protect, those are very low limits for liability coverage)
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UTC quote
The Mocker wrote:
That is impossible to answer unless we know what your particular policy covers. There are all kinds of coverage options.
Not just that, but location, age, marital status, credit score, etc. it's not that simple.

Also, +1 to what Dooglas said. With the metal body, I'd get a lower deductible on collision. A small ding can easily run more than $500. How often have you needed bodywork?
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UTC quote
Re: How much does it cost to insure your scooters?
vyatka wrote:
I just got a quote for adding 946 to my policy (primavera and PX). My annual premiums for both shifties is $99. I was stunned when Geico informed me that 946 will cost just additional $99 a year. If they made no mistake my reaction is "Wow"...
How much does average policy for modern auto Vespa cost?
I know there a lot of variables, but for my 3 scooters, my policy is $220 a year.

Corrected: My policy also covers my Ducati. So, 3 scooters and a Duck.
⚠️ Last edited by pdc10814 on UTC; edited 1 time
@katcassidy avatar
UTC

Member
2013 LX 150
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@katcassidy avatar
2013 LX 150
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UTC quote
2013 LX 150 and 2013 HD Sportster
We pay $340 a year for both with Geico



Military Discount
Rider Safety Course
Multi-cycle discount
Anti-theft discount
OP
@vyatka avatar
UTC

Molto Verboso
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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UTC quote
Dooglas wrote:
You have comprehensive, collision, and uninsured/underinsured motorist coverage. You just insured a scooter that cost the better part of 11 grand. Comprehensive, collision, and uninsured/underinsured motorist will be proportional to the value of the scooter.

(as an aside - unless you have very few assets to protect, those are very low limits for liability coverage)
I haven't insured it. I just got a quote from Geico and decided to get an advise from my comrades. Would you recommend me to match cars coverage numbers? I think (I need to check) my cars' in coverage is hundreds of thousands range. I know that coverage should be high enough, I know my car policy one is high enough but I have never completely understood how it works.
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UTC quote
I think that $1000 deductible is due to the theft incidence. I'm not sure if I could get lower, but I'll bet it would be costly. That steering lock ain't fooling the insurance company.
OP
@vyatka avatar
UTC

Molto Verboso
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@vyatka avatar
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UTC quote
DRWeside wrote:
The Mocker wrote:
That is impossible to answer unless we know what your particular policy covers. There are all kinds of coverage options.
A small ding can easily run more than $500. How often have you needed bodywork?
A local body shop repainted couple scratches on my PX's side cowl, $70. I have never filed any claims in my life both for cars and scooters.
I keep collision/comprehensive on PX just because it cost me $30 a year. Primavera is registered as antique, not insured as antique (probably it should be). $1000 deductible is acceptable for me. I am a little bit confused about liability portion of the policy.
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UTC quote
Thats what 1%
the cost of the 946?

Pay it, and move on.
OP
@vyatka avatar
UTC

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@vyatka avatar
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Re: Thats what 1%
gogogordy wrote:
the cost of the 946?

Pay it, and move on.
I don't mind to pay more if it covers me better. I read this article few minutes ago and learnt something today: http://www.motorcycle-usa.com/793/8740/Motorcycle-Article/How-Much-Motorcycle-Insurance-is-Enough-.aspx
I always thought that collision and comprehensive are the most important and expensive parts of the policy and those uninsured, property damage etc etc coverages are some weird requirements. It looks like I was wrong.
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$173 per year for the least expensive coverage mandated.
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Re: Thats what 1%
vyatka wrote:
gogogordy wrote:
the cost of the 946?

Pay it, and move on.
I don't mind to pay more if it covers me better. I read this article few minutes ago and learnt something today: http://www.motorcycle-usa.com/793/8740/Motorcycle-Article/How-Much-Motorcycle-Insurance-is-Enough-.aspx
I always thought that collision and comprehensive are the most important and expensive parts of the policy and those uninsured, property damage etc etc coverages are some weird requirements. It looks like I was wrong.
Un/underinsured, (at least in the SW) are your best (insurance) friends, IMO.
@david_masse avatar
UTC

Ossessionato
2016 Vespa GTS 300 i.e. ABS sold, 2010 Vespa GTS 300 ie Super (sold) & 2003 Honda Shadow VT750 ACE (sold) & 2006 Vespa LX150 (sold)
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ckaiserca wrote:
I am stunned by the rates people I know in the states have for their scooters and motorcycles.

I am paying $60.00 a month for my GTV in Ontario, Canada.
+1 I have liability coverage (damage to others) plus collision insurance (repairs my scoot even if I am at fault). It costs me about CDN$400 a year. Insurance premiums in Quebec are generally lower than in Ontario.
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I just keep my Co.because I know the phone #and add on's are (about 10 minutes) instant.
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@vyatka avatar
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@vyatka avatar
'61 GS150Cushman '63 GS160, '74 Primavera, '77 Rally 200,'80 P200E '05 PX150,'13 946,'64 Vyatka VP150,'77 Vyatka-Elektron,'07 GTS250, '63Tula200M
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Ok, I checked my car policy liability (each person/occurrence/property damage): automobile 100,000/300,000/100,000,
Uninsured/underinsured 100,000/300,000/25,000
It looks like I have to match those numbers in my scooter coverage. Cars and scooters are insured by different companies.
I still have time, it is winter. My 946 is not registered yet anyway. I have at least three more months to avoid additional spendings:)
@caschnd1 avatar
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1980 Vespa P200e (sold), 2002 Vespa ET4 (sold), 1949 Harley-Davidson FL
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@caschnd1 avatar
1980 Vespa P200e (sold), 2002 Vespa ET4 (sold), 1949 Harley-Davidson FL
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UTC quote
Keep in mind you won't have theft coverage until you put your policy into play. Depending on your storage facility and neighborhood that may not be much risk.

I have 300,000/500,000/300,000 coverage on a 1980 p200e and a 2002 ET4 for $180/year.

-Craig
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vyatka wrote:
Ok, I checked my car policy liability (each person/occurrence/property damage): automobile 100,000/300,000/100,000,
Uninsured/underinsured 100,000/300,000/25,000
It looks like I have to match those numbers in my scooter coverage. Cars and scooters are insured by different companies.
I still have time, it is winter. My 946 is not registered yet anyway. I have at least three more months to avoid additional spendings:)
I dont know what kind of car you drive, but its very likely the cost of the annual insurance is a higher percentage of the cars original msrp, than the insurance cost for the 946 or any other PTW.

Considering that NO cars replacement cost can equal what even moderate medical costs can quickly add up to, coupled with the much greater risk of major medical bills for an injured PTW rider, if you ask me the best possible PTW insurance is both a must-have and a still a bargain.
OP
@vyatka avatar
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Re: Thats what 1%
gogogordy wrote:
vyatka wrote:
gogogordy wrote:
the cost of the 946?

Pay it, and move on.
I don't mind to pay more if it covers me better. I read this article few minutes ago and learnt something today: http://www.motorcycle-usa.com/793/8740/Motorcycle-Article/How-Much-Motorcycle-Insurance-is-Enough-.aspx
I always thought that collision and comprehensive are the most important and expensive parts of the policy and those uninsured, property damage etc etc coverages are some weird requirements. It looks like I was wrong.
Un/underinsured, (at least in the SW) are your best (insurance) friends, IMO.
Thanks for your input. I'll change the coverage to 100/300/100 as soon as spring is here. 946 will be registered and taxed also next spring, there is no point to do it now.
I want to thank everybody who responded to my question.
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I carry 100/300/100 and uninsured/underinsured on everything with wheels. 1k deductible mine is $800 a year for a '13 GTS Super, '11 S150ie, and a '69 Rally 180 with agreed value of 6k. I have seen some people with as little as 10k in property damage which in my opinion is under insured if your in an accident and at fault.
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$64 per year for my Rally 180 with liability only for 100/300k in sunny SoCal. I haven't purchased collision/theft/comprehensive because the insurance companies always get their money back within three years after a claim.
@xine avatar
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LX150
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@xine avatar
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UTC quote
With 250/500/100k coverage for liability and uninsured, collision and comprehensive coverage, and low deductible ($250 collision, $100 other), I just paid $234 for a year's insurance on my LX150 -- and also established that my mileage is going down on my car to below 7500/yr, thus saving $200/year on my car insurance.
OP
@vyatka avatar
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Xine wrote:
With 250/500/100k coverage for liability and uninsured, collision and comprehensive coverage, and low deductible ($250 collision, $100 other), I just paid $234 for a year's insurance on my LX150 -- and also established that my mileage is going down on my car to below 7500/yr, thus saving $200/year on my car insurance.
This is impressive. I would expect huge premiums for 250/500/100.
My car mileage is low anyway, 11k since Amerivespa 2012.
At least one of my scooters will never reach such a mileage
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UTC quote
vyatka wrote:
I just got a quote for adding 946 to my policy (primavera and PX). My annual premiums for both shifties is $99. I was stunned when Geico informed me that 946 will cost just additional $99 a year. If they made no mistake my reaction is "Wow"...
How much does average policy for modern auto Vespa cost?
Isn't your 946 the one that's going to be stored in a hermetically sealed glass box? Laughing emoticon
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UTC quote
ckaiserca wrote:
I am stunned by the rates people I know in the states have for their scooters and motorcycles.

I am paying $60.00 a month for my GTV in Ontario, Canada.
I'm paying $44/month for the GTS250 and $42/month for my sister's PeopleS250. Full coverage, as there's a note on each of them.
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UTC quote
My wife and I pay $180/year, for both my BV 500 and her GTS 250. Coverages 100/300/100, deductible $250. But we also have two cars, home, and trailer with same company.
OP
@vyatka avatar
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UTC quote
DaveLX wrote:
vyatka wrote:
I just got a quote for adding 946 to my policy (primavera and PX). My annual premiums for both shifties is $99. I was stunned when Geico informed me that 946 will cost just additional $99 a year. If they made no mistake my reaction is "Wow"...
How much does average policy for modern auto Vespa cost?
Isn't your 946 the one that's going to be stored in a hermetically sealed glass box? Laughing emoticon
It is already under heavy cover, the glass box is in production,
Forum member supplied image with no explanatory text
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UTC quote
vyatka wrote:
This is impressive. I would expect huge premiums for 250/500/100.
Actually, higher liability coverage has only a modest effect on premium - especially compared to collision/comprehensive vs. no collision/comprehensive. I have the same liability coverage on my scooters as I carry on my car.
OP
@vyatka avatar
UTC

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UTC quote
Dooglas wrote:
vyatka wrote:
This is impressive. I would expect huge premiums for 250/500/100.
Actually, higher liability coverage has only a modest effect on premium - especially compared to collision/comprehensive vs. no collision/comprehensive. I have the same liability coverage on my scooters as I carry on my car.
Thanks for a good tip.
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UTC quote
Re: How much does it cost to insure your scooters?
vyatka wrote:
I just got a quote for adding 946 to my policy (primavera and PX). My annual premiums for both shifties is $99. I was stunned when Geico informed me that 946 will cost just additional $99 a year. If they made no mistake my reaction is "Wow"...
How much does average policy for modern auto Vespa cost?
Location, location, location!!
@seldomdaisy avatar
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@seldomdaisy avatar
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UTC quote
£58 a month, third party and theft

First time rider, 19 years of age and on a provisional licence

I could of got it so much cheaper but my policy covers damage to leathers, helmet etc and breakdown cover... and MCE are quite good insurers!
@maniac avatar
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UTC quote
Do I have too much insurance?

Maniac
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UTC

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2012 GTV 300 & LXV 150
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@sharpcolorado avatar
2012 GTV 300 & LXV 150
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UTC quote
Nobody says "And worse, I had too much insurance."
Mine:
2012 Vespa GTV 300ie

Bodily Injury:
$100,000 Per Person
$300,000 Per Accident

Property Damage / Liability:
$100,000 Per Accident

Medical Expense:
$5,000 Per Person

Uninsured Motorist - Bodily Injury Coverage and Underinsured Motorist Coverage - Colorado:
$100,000 Per Person
$300,000 Per Accident

Uninsured Motorist - Bodily Injury Coverage and Underinsured Motorist Coverage - Colorado:
$100,000 UIM Each Person
$300,000 UIM Each Accident

Collision: $500 Deductible Comprehensive: $100 Deductible

Premium:
$81.50 per year
@paddlenround avatar
UTC

Ossessionato
2013 Vespa LX150ie, 1968 Vespa Sprint 150
Joined: UTC
Posts: 4041
Location: Ogden, UT U.S.A.
 
Ossessionato
@paddlenround avatar
2013 Vespa LX150ie, 1968 Vespa Sprint 150
Joined: UTC
Posts: 4041
Location: Ogden, UT U.S.A.
UTC quote
I pay about $220 per year. Not only does it pay for anything on the bike plus injuries, I have a supplemental hospital coverage. This means that if I get injured on the bike, they pay the first $5000 of medical bills (effectively covering our annual out of pocket maximum deductible).
@maniac avatar
UTC

Hooked
2013 GTV 300 IE
Joined: UTC
Posts: 391
Location: Sacramento, CA
 
Hooked
@maniac avatar
2013 GTV 300 IE
Joined: UTC
Posts: 391
Location: Sacramento, CA
UTC quote
Paying 4 X as much as you Doug, no tickets/accidents in 10 years...

Maniac
@davelx avatar
UTC

Molto Verboso
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
 
Molto Verboso
@davelx avatar
2016 Piaggio BV-350
Joined: UTC
Posts: 1879
Location: Virginia, USA, from London, England
UTC quote
SeldomDaisy wrote:
£58 a month, third party and theft

First time rider, 19 years of age and on a provisional licence

I could of got it so much cheaper but my policy covers damage to leathers, helmet etc and breakdown cover... and MCE are quite good insurers!
You know you're old when your insurance becomes more affordable....!

First time rider, 40 years of age, provisional licence, with recovery, helmet coverage.

£15 a month, third party, fire and theft, via Swinton Motorbikes.
@madison_sully avatar
UTC

Veni, Vidi, Posti
MP3 500, GTS 250 (both 2008 MY), 2013 Piaggio BV 350, 2014 Can Am Spyder RT
Joined: UTC
Posts: 7587
Location: Madison, Wisconsin
 
Veni, Vidi, Posti
@madison_sully avatar
MP3 500, GTS 250 (both 2008 MY), 2013 Piaggio BV 350, 2014 Can Am Spyder RT
Joined: UTC
Posts: 7587
Location: Madison, Wisconsin
UTC quote
Amen
Something to be thankful for, with age comes affordable insurance.
Yay.
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