Insurance for a foreign bike in the US?
 

What is the easiest and cheapest way of getting an insurance for a foreign plated bike in the US?

Do you have an address you can use while in the US? If so, both Progressive and Geico will insure foreign licence holders on foreign machines - based on your chassis/frame number.

But you do need a US postal address you can use for paperwork.

Jx

I can use my brother's address in texas but I won't be there until two weeks after I've arrived in the US. How can things bevso difficult that you'd always need to call. In modern days you should be able to do things online. ..

Hello


Motorcycle Express does it online, but not the cheapest


sushi

These people will do it, no idea how long you need but six months cover cost little or no more than two months so if in doubt go for the longer period. There is a link further down on the right hand side of this page and if you click that rather than the one I have posted I think the HU site benefits.

https://www.motorcycleexpress.com/

I tried Progressive on-line and on the phone, I had an address but was told they do not insure foreign registered bikes but this may be the person I spoke to did not know how.

Thanks! I'll try that.

Just to catch up on this one. I insured my bike with Progressive and used the short term address of my hotel. That worked out easily as there are no questions asked and absolutely no paperwork has to be done. The insurance is active right after you bought it online and was ideal for me. It's also active in Canada but not in Mexico.

And the best part of it all: You can cancel it fairly early (I don't remember, but I think it's 3 months or even less). The money of the leftover time will be fully refunded, only running after it is a pain in the...as they only issue cheques.

Geico only needs the address to make it official. All the paperwork you need for your insurance (proof of insurance cards, etc), are available online or through their app.

I received the following from Geico when asking for a friend who is on the road and headed north towards the USA.

The registered location of the vehicle does not impact the insurance.
Currently we do not offer a short term policy and you are required to
receive a stateside license within 30 days to maintain a policy with
GEICO Motorcycle.

So, they don't care if it is registered outside of the USA, but won't issue a short-term policy. Did you get a year-long policy and cancel? And did Geico ever ask for a US license?

Here's a list of all offers I got for my bike:

tourinsure.de seems to offer motorcycleexpress.com insurance but obviously (minimum) liability only, there are no options listed in the downloadable application form. Compared to liability only by motorcycleexpress it is much more expensive.
Examples calculated from their current online forms:

Tourinsure.de:
2 months for Canada/US, liability only (Bodily injury US$ 25000 per person, Bodily injury US$ 50000 per accident, Property damage US$ 10000), for motorcycles from 1051ccm and above: 310 Euro + additional charge of 45 Euro + 3.5% charge for payment with credit card => 367,78 Euro total

Motorcycle Express:
60 days for Canada/US, Bodily Injury/Property Damage Liability (Bodily injury US$ 25000 per person, Bodily injury US$ 50000 per accident, Property damage US$ 10000; additional to tourinsure: Uninsured Motorist Bodily Injury 25,000 PER PERSON/50,000 PER ACCIDENT), US$ 66 per month * 2 = US$ 132 + agency fee US$ 60 + 5% credit card fee => US$ 201,6 => 165,32 Euro at current exchange rate

Geico:
Got the same information as Chris of Japan. Will only offer long term insurance (12 months).

Lions Group:
Did send e-mail to them. Even got an answer in German. They asked me to fill out their form: https://www.lionsgroupinsurance.com/...ntragsformular.
Got a quote for 12 months insurance (all insurances are valid for 12 months the broker told me), valid for US and Canada. Liability to Others, Bodily Injury and Property Damage Liability, $500000 combined single limit each accident. Insurance company is Progressive. Total premium is US$ 106 for my bike, which is about 87,25 Euro at current exchange rate.

Thum Insurance:
Found another insurance company with an online form for foreign customers: https://thuminsurance.com/international-insurance. They answered, that they can't provide insurance for a motorcycle alone, only if it would be insured together with a motorhome.

There are really big differences in the quotes!

Insurance USA & Canada
 

Hi Hubb,

I am planning to leave from belgium to toronto within the next weeks to tour the americas.

However I just found out that
"DUE TO THE EUROPEAN PRIVACY REGULATIONS, DAIRYLAND INSURANCE HAS DISCONTINUED THE SAFE TRIP PROGRAM. EFFECTIVE MAY 21, 2018."
This seems to be the insurance company that all the other companies eg motorcycle express etc... were using.

Does anyone have an idea of other options as where to find usa and canada insurance as a foreign national ?

Any input would be appreciated...as google keeps pointing me to companies selling some form of the dairyland insurance...

kind regards
www

motorbike insurance or travel and health insurance?

What is your nationality?

Motorbike insurance
And nationality is Belgian (should have mentioned that) :)

I too have been caught by this (New Zealand resident) and suspect it will be widespread.
Obviously interested in any way to get compulsory cover. Only option atm is cancelling the trip

Usa bike insurance
 

Same problem with trip bike insurance for USA. All set for tour on 17th June but may have to call it off due to non availability of insurance for foreign nationals. I can confirm that all agents seem to use Dairyland who have pulled out of the market as of mid May 2018. Any one had any luck organizing insurance since then? Here's Hoping!

If you have a US address and phone number you can use, Progressive will insure you. No need to prove you live there. Japanese friends just did that. The website even lets you use foreign drivers licenses.

As far as i have found, it is at the moment impossible to get the compulsory coverage for the us and canada as a foreign resident with a foreign registered motorcycle. All the companies who did it basicly sold the same insurance by Dairyland which has withdrawn from market.

Apparently it could be possible to get something through progressive insurance in the us, but then you would need an us adress and phone number.

My trip is also hanging in the balance here...s*cks big time

Usa bike insurance
 

Thanks Chris, that's good news, I was beginning to get a bit gloomy about it all!
I will post a message if it all works out.
Incidentally, the plan is to buy a cheapish big bike in NY (from craiglist). I figure that even if I give it away in California it will be cheaper than hiring.

Isn't HU brilliant!

Just spent 20 mins on the phone with Progressive (UK Owner, UK Bike).

It's a no from them... :(


However.... Anyone used these guys?

https://www.voyageroasis.co.uk/quote...word=&voucher=

My quote was: (haven't accepted yet)

https://c2.staticflickr.com/2/1722/2...a0b6b876_b.jpg

Try Geico too.

There shouldn't be a problem with them (or Progressive) if you have a US address to use.

I think the main issue is of you being a 'temporary' visitor who they may be worried simply does a runner in the event of a serious accident/claim. If they have a US address then at least someone [in the US] can be held accountable.

Jx

That looks like a travel [personal] insurance policy, not a motor-vehicle liability policy?

Jx

This is travel insurance not motorcycle insurance although if they offer cover for when riding a motorcycle it might be a useful alternative in a place of limited options.

Just called them, And yup, that is the case.

Though it does say on the site:

SO another dead end. :helpsmilie:

Just called them, it's not for motorcycle cover (IE your bike), just medical.

Though it does say on the site:

doh

And a no from Geico...

It's not really a 'short term' policy you want... when I've done this is the past [via Progressive] I've had to pay a full year premium up front, but then you can always cancel the policy and they will refund the balance (less any admin fee).

Keep trying... but ideally going via a human (broker) is going to be the way to achieve this - online is notoriously rigid in that regard.

Jx

Ok, Called Progressive. Got some guy called Jean, who is a biker. He explained there isn't a foreign bike insurance policy in place.

Buutt, that they could insure a foreign bike on the condition it was to be registered with a DMV while in the states.

Could be a loophole worth exploring. As I said to the guy, it's covered on the provisio I'll register it. He said yes. It's similar to what I did when I brought my Jeep here from California.

The quote for said policy was $553, which including liability, collision, and roadside assistance. And was, as Jenny mentioned above, able to be cancelled early minus admin fee's.

I don't know how it was before but it looks like it is not possible anymore on the progressive site to use an foreign drivers licence number.

So as it looks, even with an US adress it wouldn't be possible to get the insurance.

I've been investigating this and think I've found a way to insure a foreign bike in the US after the numbnuts at Dairyland pulled the plug.

You can get 3rd party only bike insurance through Lion which is OK if you are on a cheapy but probably not good if you are on a newish GS or KTM.

I've been searching for comprehensive insurance with a US address and hopefully get a positive answer shortly so will keep you guys updated.

I feel your pain everyone - I'm having the exact same problem the other way around at the moment: Lisa (who is not a UK resident, and has a US licence) cannot be added to my existing policy, even though in the past she was...

It seem the insurance industry would rather encourage uninsured drivers, than actually provide for those few (and therefore relatively low risk) foreign travellers who want to travel abroad, on either their own or a borrowed bike...

We're trying to do the right thing by offering them money and they won't take it!

A conspiracy theorist might say it's a cartel between the rental car/bike companies to try and stop people using private vehicles abroad.

Grrrrrr.

Jx

Ok, Called Progressive. Got some guy called Jean, who is a biker. He explained there isn't a foreign bike insurance policy in place.

Buutt, that they could insure a foreign bike on the condition it was to be registered with a DMV while in the states.

Could be a loophole worth exploring. As I said to the guy, it's covered on the provisio I'll register it. He said yes. It's similar to what I did when I brought my Jeep here from California.

The quote for said policy was $553, which including liability, collision, and roadside assistance. And was, as Jenny mentioned above, able to be cancelled early minus admin fee's.

++++++++++++++++++++++++++++++++++++++++++++++++++ +++++++++++++++++++++

Had a nice chat with two ladies at Fernet. Who, despite the website stating

DO still provide coverage, via Progressive!

They asked me to use their Online form (https://www.fernet.com/Pages/motorcycle-quote.htm)

However, it's broken as their Captcha system is out of date.

So, I've send all my details (VIN, US address, etc) to them by email. I'll let you know what they come back with.

Also had an online chat session with Progressive, regarding my earlier quote. They were of the opinion that the bike needs to be registered with a DMV office before that particular policy would be effective.

Fernet seem to think that's incorrect. Waiting to hear how they will get around it.

If you are traveling up through Mexico, this place said they would insure non-Mexican vehicles. They are primarily for Mexicans visiting the USA.
https://www.segurogringo.com/

6 months $296 dollars
$30,000 Bodily Injury Liability (BI) per person.
$60,000 Bodily Injury Liability (BI) each accident.
$25,000 Property Damage Liability (PD) each accident.

However, Progressive was much cheaper even for a full year.
With Progressive, you have to be able to mail or fax a form that you sign if you don't want anything other than 3rd party insurance.

I have just merged the two ongoing threads on US insurance.
Too much duplicate information.

I just checked.
You can use foreign drivers license IF in
Driving History
Driver's License Status
You select International
Then it will allow "international" to be selected on the page where you put in your license number

Some parts seem to be slightly different depending on the state you select at the beginning. I used Washington state.

UKJeeper; good work finding all of that out and thanks for sharing.
Very interested how this will turn out.

I better also get in touch again with fernet, and try to find an US adress to use.

@Chris must have overlooked that, thanks for the info, also good idea to merge the threads!

Guys, for what it's worth. I had a similar situation last year. Temporary importing a UK bike into Canada and the riding around Canada and the USA.

Eventually I insured it with progressive and got them to issue me a separate certificate showing that I was covered in Canada, this was sufficient to allow Canadian customs to release the bike.

Originally I had gone down the route of filling in the online form for Progressive, at the time it only asked for the VIN and accepted a foreign driving license (reading the above posts, this might have changed). It also required, as others have stated, an address and phone number, any address and number will do as the documents can be faxed to you - they wont email documents.

Just to be on the safe side I phoned them direct to make sure I was covered as a foreign national on a foreign bike and the person at Progressive told me that was ok, and began issuing the quote, unfortunately I lost the phone line at that point. I called back and got another person who then went on to tell me it wasn't possible, but in the mean time person 1 had emailed me my quote, so I went ahead an completed. Moral of that story, just because one person says no doesn't mean it isn't possible.

Was I really covered? I don't know. But I did have all the documents required to show I was, which was good enough for me.

That's kinda what I was looking at in my post above. Taking the policy as offered, 'forgetting' to get around to registering at the dmv, and flying home before progressive noticed.

All a bit 'grey area' though. And not something you want to go wrong if the policy is needed. IE: accident or law enforcement.

Will call the two ladies (fernet) later this evening.

I'm sorry to learn that my fractious country has made it even more difficult to insure a foreign bike recently. I have one relevant observation and one question.

First, all insurance issues will differ to some extent from state to state. That's because each of our 50 states has its own insurance commission, with its own process for approving or disapproving the details of any legal insurance policy. Responses from a national insurance company like Progressive or Geico **may** therefore differ according to the local address you're using. Hopefully, someone will discover (and publicize) which states are easiest, which difficult, and which impossible.

Second, I'm entirely unsure what "registering with the DMV" might mean. I've never seen any reference to any such registration process in for any of our (again) 50 Departments of Motor Vehicles/Departments of Licensing. This doesn't mean such a process doesn't exist...but I wouldn't be surprised if someone inquired and was met with blank, uncomprehending stares.

Of course, if what's meant by "registering" is the normal, state-by-state procedure for obtaining local ownership, title and plate/placard, that's going to be difficult--it'll require permanent importation, which is usually so complicated and expensive that no one in their right mind would attempt it.

Hope that's helpful, and hope clarity re-emerges.

Mark

That's true about the state Mark. I listed the address as Alaska and had to be put through to someone who was authorized to issue Alaskan insurance, if that's any use to anyone.

Have tried to organise something through Progressive but have been unable to zero in on the appropriate section of their website. I would appreciate some help.
In any case, what I have found leads to the conclusion that what Progressive offers is for property damage only. They appear to specifically exclude third party injury liability.
Do I have that right?
If so, in my case, it makes their offering pretty much useless.

Click on the Motorcycle on the top page of https://www.progressive.com
A Japanese friend recently got the following coverage for $106.00 (actual price depends on various factors)
Bodily Injury & Property Damage Liability:
$25,000 each person
$50,000 each accident
$10,000 each accident

Many many more options, but he (probably) reduced to the minimum required to ride in the USA.

That worked thank you.

Just off the phone with Cheryl@Fernet. Successfully. She's walked me through getting set up and explained it all. So, they look like the way forward. She's also looking into getting a couple of other carriers onboard to replace Dairyland.

Hi UKJeeper,

succcessfully as in you successfully filled in the formular or as in you got insurance? Because:

https://www.fernet.com/Pages/overseas.htm

Got insurance. Yes, it's misleading. However when I called them, they're going through Progressive, as Dairyland pulled out.

Weird. There is a thread on the facebook page at the moment. A bunch of us trying to find insurance. Everyone who has foned progressive directly so far has been told that progressive does not currently offer insurance to foreign registered bikes unless they are going to be registered as a us bike within a month of the policy. So you would not be able to claim from them.

Maybe they have changed their policy in the last couple of days? Has your agent checked the fineprint? Or have progressive confirmed this?
Any chance you could post a copy of your policy?



Sent from my SM-G930F using Tapatalk

Don't talk to Progressive. Call Fernet.

OK, I've been trying to get some clarification on this for the past week or so and keep hitting brick walls and getting different info.

Fernet are agents for Progressive so you'd think they would know but I have my doubts. Cheryl at Fernet is off sick and a girl called Phyllis is doing her job. She has heard of the social media chat and when pressed, Phyllis says she doesnt really know if the cover will be live. She's working hard but I'm not she really knows what's happening but no one has told her that progressive will not insure.

I spoke with Jens at Lion Insurance today who I've also been dealing with. Jens is a progressive agent and he categorically told me that Progressive WILL NOT insure foreign bikes in the USA. He has no idea how Fernet are doing it but when progressive find out that a bike is foreign registered and you do not live there, they will cancel the policy so you will be f*cked. They will refund you the money but that doesn't help if you aren't insured. He's been at it for years and I'm inclined to believe he knows what he's talking about.

After this, I called Progressive directly and spoke to a guy who asked all the right people and he confirmed Progressive will not insure us. Foreign vehicles are regarded as transient and cannot be insured through Progressive.

Quite how Fernet are doing this is anyones guess as they only use Progressives online applications. Phyllis told me they never speak to them. Now I'm not saying they do anything illegal but I do wonder if they are filling in teh forms as if the US address we give is our home address. If this is the way they do it, the policy would be null and void in the event of an incident.

As far as I can see, no one will currently insure foreign vehicles in the US and Canada so if anyone knows different, shout up.

I've dealt with Phyllis several times through this whole flustercluck. She is, I've found, not the brightest bulb. I've had to steer her straight on several screw ups. I have a policy and written confirmation, from Cheryl, that it's good to go. Wish Cheryl had picked a better time to go sick.

That's really interesting as I've been told by progressive that they do not cover foreign vehicles and Lion has confirmed that.

Did you get a 12 months policy?

As Cheryl explained it to me, (and DO NOT TALK TO Phyllis) Progressive will create a policy. However, you may eventually get a letter (at your US mailing address, sister in law in my case) querying that the bike isn't registered in that mailing addresses state. Nothing happens (apparently) after that though. You don't get a follow up letter saying the policy is cancelled as the vehicle isn't registered in the state where the policy lists you.

Apparently Fernet have been doing it this way for a while, mainly for foreign RV travellers, without issue.

The policy DOES have your VIN clearly stated, so it COULD be argued they've checked the VIN and found it to be foreign. It does also say (in my case) "foreign driver's license".

Yes you have buy a 12 month policy, but it's 'pro rated' so you get back what you don't use.

I did have cause to call progressive, as my online logon didn't work, and they didn't raise any red flags during our long discussion.

Until there is a letter, or communication, stating "you're foreign, so is your bike, so the policy is cancelled", they (Progressive) are duty bound to provide that coverage.


Do I want to put it to the test? Hopefully I won't have to. Just have a nice easy, non eventful, ride across the US with an insurance card in my pocket.

The other option is to cancel the entire trip and wait until some other company steps up with a definitive "we welcome foreign riders" policy. (:censored: Dairyland!), whenever that may be...

The 'back up' plan, if my Sis in Law ever calls me to say she's received a cancellation, is to head to the nearest U-Haul, and truck the bike to safety..

If I were on my own, I'd go for it but I have a trip with 7 other riders from Anchorage down to San Francisco and I can't tell them they are 100% covered which is my dilemma.

I've been using Fernet for 13 years and never had an issue when they insured with Dairyland as they had a section set up for insuring foreign vehicle and would provide policies to suit the length of the trip.

From my understanding, they aren't duty bound to provide cover and can cancel if everything isn't correct. They have a 90 day cancellation policy in which they can just pull the cover and return your money.

The issue with Fernet at the moment is the fact that Cheryl is off sick which seems long term. Phyllis hasn't a bloody clue to be honest and I can't risk my customers cover based on the word of someone who can't/won't confirm if we are covered or not.

I've been riding and taking groups out there for 13 years and never had a problem like this before. Knowing the way the US system and authorities work, I don't have your faith that all will be OK in the event of something nasty happening.

Good luck on your trip mate and hope all goes well.

Just had this email from Fernet so as of now, they aren't doing any insurance so according to my findings, there isn't an Insurance compnay in the USA willing to insure UK and European bikes.

Hello Chris,

As of now, you are correct, we will not be able to offer you insurance through Progressive.

We apologize for this inconvenience.

Thank You,

Cheryl Dudek
Fernet Insurance
1950 Lee Rd #107
Winter Park, FL 32789
1-866-768-7558 FAX
1-800-391-8144 Toll Free
321-972-1865 Local
customercare@fernet.com
www.fernet.com

Good luck with yours UKjeeper.

I called Cheryl as soon as I heard this. It seems this has been a recent development due to Progressive tightening things up even more.

Fortunately I seemed to have just got in under the wire, as my policy is still good. Cheryl will tell me if things change, but for now, i'm good.

Sorry to hear your trip is in jeopardy. Hope you get something sorted.

Motorcycle insurance in usa & canada
 

Hi all
-just joined this forum & read your words on this issue-thank you.
-Was embarking on a road trip to Canada in August & suddenly getting insurance was a problem.
-used Motorcycle Express last time - they use Dairyland Insurance (as other agents/companies do) as the insurer/underwriter & this is the response today I got from Motorcycle Express:

"There are no insurance companies providing this coverage presently. We could have a new one ready end of July. Dairyland withdrew 5/20/2018''

Hmm-hope they are right! back to the planning table!

What to american servicepeople do when they freight in a foreign plated vehicle back from their overseas posting?

What do Canadians and Mexicans do when they drive into the USA? There must surely be someone out there offering some form of insurance?

AFAIK, all Canadian insurance is good in the USA, just as all US insurance is good in Canada. I don't know what servicepeople or Mexicans do.

It's utterly barking mad but at the moment there isn't a US company who are prepared to over coverage to European bikes. They have a different process for Mexico and Canada. They will insure a UK licence on a US bike, a US licence on a UK bike but not a UK licence on a UK bike and in the words of our American friends.........go figure!! Dairyland have claimed it's GDPR rules but I think there is more to it.

It's screwed my upcoming trip to Alaska but all is not lost as I'm hiring a few bikes and just doing a nice 2 week loop around Alaska. We normally ride down to San Francisco so that's out.

It's a crazy situation but I'm told it will be resolved shortly.......whatever that means!!

Usa/canada insurance latest
 

Latest

Just heard from Motorcycle Express today - they are working on an alternative insurer & may have news later this month

This doesn't help riders with trips/groups planned I agree

Lets see what happens

Regarding Mexicans:
http://www.horizonsunlimited.com/hub...1-3#post585224

Segurogringo do offer insurance for foreign riders on foreign bikes. You land up having to buy their regular travel insurance and then paying an additional separately charged fee to specify where the bike and rider are from. They are basically agents for a US firm called national unity.

Below are copies of what you actually get in terms of a policy. Use your own judgement.

https://uploads.tapatalk-cdn.com/201...74f3413623.jpg

https://uploads.tapatalk-cdn.com/201...b3399bc71e.jpg

FRom what I can see it's for Mexico residents only so not sure how they get around that. It's also 3rd party only which won't work for a lot of people.

I expect servicepeople are expected to put a local plate on a vehicle they relocate home, even if they are exempt from import taxes.

Neither Canadian nor Mexican residents are subject to GDPR protections.

Well, it stopped literally at the moment GDPR came into effect, so it sound legit.

"Whatever that means" probably means a US insurer will get a GDPR-compliant data solution in place.

Any news on this topic? 3 weeks until the trip starts - and still no insurance :(

We are starting our trip in Alaska the 21st of August, and regarding the insurance we are going for the Seguro Gringo option just as Victay posted a couple of weeks back. Actually, this first page of what he posted states that it's only for Mexican residents, but the second paper is additional for people not living in Mexico, and it states a change of the policy so that it's valid for the specified foreign bike and driver.

We're shipping with Motofreight, and they have been in contact with Seguro Gringo directly; over email they confirmed that they can provide 3rd party liability insurance on European bikes. I was also informed that a group of bikers entered the US in New York with this policy recently.

There are also some stories about Progressive policies being used, but I guess it depends a lot on the agent. Apparently, there have been issued some insurances with using a 'friends' address in the state where the trip starts. I have written to all Progressive agents in Anchorage but uptill now only got replies that this Progressive program is not applicable for foreign bikes.

I've been in touch with Fernet as well, they are working on some new program similar to the previous Dairyland one, but they have had no luck getting it up and running until now. Guess I would have preferred this, as the Seguro Gringo policy might be somewhat vague and open to interpretation, but it seems to be the only option thus far.

Yeah we're in exactly the same boat and I wonder if we're the group that Motofreight referred to as I have a dozen bikes flying into NY shortly. We haven't taken out a policy with Seguro Gringo yet but it's who we'll have to go with. Like you it's far from ideal, especially with the limited amount we're covered for, but it's easier that or cancel and most of the guys are willing to go with it. I just hope something more solid comes available soon as I know it'll put a lot of people off.

US/CANADA INSURANCE LATEST FOR INTERNATIONAL RIDERS ON OWN BIKE

LATEST

Read all comments and thanks for sharing.

I got an informative email from a manager at SEGURO GRINGO today

It appears to be possible to activate cover - but - LIABILITY only

That will not work for me and cancelled my TRANS CANADA HIGHWAY ride this year and planning another trip instead

Hope MOTORCYCLE EXPRESS will get another policy/insurer/underwriter up and running soon with the same cover as Dairyland offered.

Just taken out a policy with Seguro Gringo. It seems okay and the company seem to keen to confirm that it's legit, it's just the tiny amount of third party cover it covers you for that's the slightly worry. But it's that or cancel the trip.

Glad to hear there is at least one viable option.

Vehicle insurance requirements vary in the US from one state to the next, and there is no nation-wide system or set of rules. For example, requirements are fewer in Montana than in Washington State....except that, oddly, AFAIK motorcycles are not required to carry insurance in Washington. In any case, all states will allow you to drive when covered by insurance policies taken out in other states, whether or not they satisfy local requirements.

The policy above appears to satisfy minimum requirements in Texas. That makes it legal to use for driving anywhere in the US or Canada. Its coverage is really low by US standards, so your best bet is to not have any accidents (in case you needed to hear that).

I am not at all convinced that the endorsement (second page of the policy above) voids the first page disclaimers. In other words, I'm not sure that you're really covered as a non-Mexican resident. I'm not saying don't ride carrying this insurance--I've put many tens of thousands of miles on uninsured cars and motorbikes. I just wouldn't want to count on it in the event of any problem.

If there are any lawyers in the viewing audience, one might be willing to say something about the enforceability of a contract which requires illegal acts from either party.

That's enough idle speculation from this corner.

Mark

Fernet insurance
 

A small update. We were able to get a solution via Fernet. Helped us perfect. Cheryl Dudek
FERNET INSURANCE
1950 Lee Rd Ste 107
Winter Park, FL 32789
866-768-7558 Fax
800-391-8144 Toll Free
321-972-1865 Local
www.fernet.com

GOOD news - HOWEVER, their webpage says on the "Overseas visitors" page":
https://www.fernet.com/Pages/overseas.htm

"This Program has been suspended until further notice."

So I'm trying to contact them, but the "Contact us" form is broken! gaah!

I called them and had several email contact. Rook me only half a day and everything was done. Verstuurd vanaf mijn SM-G950U1 met Tapatalk

Don't do anything irrevocable yet! GOOD news is coming, within days with any luck at all. I've been corresponding with Cheryl at Fernet, and they will write policies - but they haven't yet got ABSOLUTE CONFIRMATION IN WRITING that it's 100% legit for foreign travellers, so they're waiting for that, and she'll let me know instantly and I'll post it here.:mchappy:

Hello Grant and Jaak,

did Cheryl/Fernet by any chance mention the type of cover the policy will contain, i.e. liability, comprehensive, etc?

Regards,
Dietmar

Liability of course, and the rest is all available as you'd expect. :)

Hello Grant,
thanks for the quick reply. This is marvellous news!

We were already rescheduling for a trip around the britsh isles, which is a great trip as well, but not as we initially planned.

Do you think you will get clarification about the legitimzation for foreign registered bikes within the next few days?

We are planning to start our 4 week trip on the east coast of the US and Canada in mid September and because of the insurance situation we haven't booked anything yet...and flight cost are about to increase - at least the passenger flights.

Best regards,
Dietmar

All I can say is what I was told, so given it's a big company the small company is waiting on... your guess is as good as mine!

I went through Fernet/Cheryl. Got a policy with Progressive. had to pay for a whole year, but it's pro-rated (you get back what you don't use).

Did 11,000 miles around the US, fortunately never had to put it the test (no accidents), and cancelled through Fernet while in departures at Vancouver.

Cheque for $600 (which is most of it) on its way to me.

North American insurance for foreigners
 

Hi, I'm French and actually in Japan before reaching Vancouver with my motorbike by boat
I had contacted Motorcycle Express to get an insurance for my motorbike in Canada, USA and Mexico. I had been told that American compagnies doen't accept to insure foreign motorbike anymore. And now furthermore Motorcycle Express just answered me that Canadian compagnies doesn't also !
They are trying to negotiate with others compagnies

Does anybody have any information about insurance compagny in Canada or USA who would be able to insure foreign travellers ?

(This post moved from a separate thread by moderator)

Sorry I didn't see the discussion about my request was in progress yet. So I'll take the time to read closely all you post. All the best

Hi Grant,

Wondered if you've heard anything further ?

Kind regards,

Matt

Good news!
 

LATEST word from Fernet:


They ARE writing policies and are satisfied they're fine! Contact Cheryl at Fernet, and be sure to tell her where you heard about it.


:wave::wave::wave:

Sticky: Insuring foreign bikes in North America
 

Further to Grant's post above, Cheryl Dudek of Fernet sent important details about getting your foreign bike insured in North America. Good stuff!

Go here for the sticky post:
http://www.horizonsunlimited.com/hub...-america-96022

Thank You
 

Thank You to all for the effort in getting this sorted it is very much appreciated. We were wondering how we were going to get into the States to then ship our bike home, we have also passed this onto other Overlanders we have met while in Colombia and who are also heading North

Great News

David & Em

Does Fernet insurance actually cover you??
 

Hi All,
Spoke to Cheryl and got her to send the PDS out for the policies being offered. There are a number of references within the PDS to "The principle garaging address" . Now when I got a quote I was required to provide an address in the US which I did and I asked the question, "why" and was told it was simply for mailing the documents. My concern is that we are being sold a policy which requires us to actually have a principle garaging address and obviously being a foreign traveller this doesnt exist and any claim would be rejected. Below is just one example from the policy document. I will contact Cheryl for conformation and advise all as to the outcome


DUTY TO REPORT CHANGES
You must promptly notify us when:
1. your mailing or residence address changes;
2. the principal garaging address for a covered motorcycle changes

This policy was issued in reliance upon the information provided on your insurance
application. We may void this policy at any time, including after the occurrence of an
27
accident or loss, if you have knowingly and with the intent to defraud:
1. made incorrect statements or representations to us with regard to any material
fact or circumstance;
2. concealed or misrepresented any material fact or circumstance; or
3. engaged in fraudulent conduct;
at the time of application. This means that we will not be liable for any claims or damages
that would otherwise be covered.

Canada/USA Insurance?
 

I am a UK citizen and am looking to fly myself and my bike to Canada next year to travel across Canada then into the US.

Will I be able to get Canadian insurance for me as a foreign resident on a foreign (UK) registered bike and if so, will that Canadian insurance be cover me while riding in the USA?

Get the US insurance from Fernet as above. It’s valid in the USA and Canada.

With a bit of luck the insurance glitch looks like it has been sorted so I am starting to think about doing my big bike trip (on my own UK registered Wing) next year.
I am considering buying a trailer, a Third Wheel Trailer, picking it up from the factory about 100 miles SW of Toronto then using it for the trip across Canada and into the US before shipping it and my bike back to the UK.

What I need to know is what are the legal implications of me as a UK citizen using a UK registered bike pulling a trailer which has been purchased in Canada across the border into the US?

Do you need to register that style of trailer separately in Canada? - if so then you'll need to have an address to do that; but if those mono-wheel trailers just use the same reg as the bike (as trailers do in the UK), then I can't see any problem with what you're proposing at all - just as long as your insurer knows you'll be using the bike to tow with as well of course.

Jx

I have Been looking on line as am starting to plan a USA trip , has anyone tried H C Travel as they advertise USA travel insurance (David Grist ) on their web site
Will be contacting them tomorrow
Will let you know

Just looked on HC Travel website home page clicked on shipping then USA and it brings up US motorcycle insurance :scooter::

Bikers Travel Insurance
Give H C travel a call they say they do USA bike insurance

Hey everyone,

is Fernet still the only Companie offering Insurances for European Motorcycles?

We haven't heard of anyone else, so for now, still yes. All you can do is ask the usual people supplying insurance and see if there's any news. Please be sure to let us know what you find!

Before I give vague Pieces of information and what could be in 2 weeks I am going to tell you what I know right now.
Almost all the answers I received led me to the same person, Cheryl Dudek. As soon as I get an answer from her or the other brokers, I'll let you know.

*edit 29.Jan.2019

Cheryl wrote back today after I submitted her my address in the States she sent me a quote.
It´s from progressive, but I don't think it is the best offer.
Take a look.

Just got the answer from THUM Insurances. They do not offer motorcycle insurances but they insure motorhomes and camper vans with foreign registration.

FWIW - I think it's pretty cheap - I pay more than that total for 6 months for my R1200GS - for LIABILITY ONLY here in BC.

The liability cover doesn’t look very high for what I understand to be one of the most litigious countries on the planet ... are they the ‘usual’ limits ? If, heaven forbid, somebody was hospitalised because they were involved in an accident with me would I be liable ? Or would my ‘general’ travel insurance cover that eventuality ?

Grateful for any advice/input [emoji1303]


Sent from my iPhone using Tapatalk

I have a 2008 DL650 with Progressive: some coverages are higher, some are the same. My yearly premium is US$233 with some discounts taken. Usually, substantial increases in coverage cost relatively little if that's a concern.

I'm a US resident, and my car is also with Progressive. I'm sure both of those things bring my rates down. Other possible contributors: my bike is a bit older, it's a secondary vehicle, and my yearly mileage has been sadly low recently.

In the end, you'll pay whatever you need to pay to get coverage from whoever's willing to offer it. I've paid over a hundred euros per month when riding in the EU, a hundred US dollars for a quick transit of Mexico, and an astonishing amount (which I've wiped from my memory) for less than a week in French Guiana.

I've also put on a lot of miles without any insurance at all, although that's a controversial topic in its own right. I wouldn't do that in the USA, now that I've got an actual net worth which might be taken from me in a lawsuit.

Hope that's helpful.

Mark