Originally Posted by kdbell
... and when I notified them of my new address they cancelled my policy ... Of course they failed to notify me of this and I went 3 months without insurance...
Part IV(9) of standard form Geico Cycleguard policy (CRU-21, rev. 7-96), which was part of your binding contract with Geico, states, "This policy may be cancelled by us by mailing to you at the address shown in this policy written notice stating when not less than ten (10) days thereafter such cancellation shall be effective."
Notwithstanding the information you received from the oft-inexperienced customer rep, who inhabits most corporations btw, your policy was not likely "cancelled."
Because auto insurance policies must conform to state law, you'll have an addendum to your standard form policy that is specific to your state. It is also part of the contract between you and Geico. It needs to be updated when you move across state lines, and that requires an agent qualified to write policies in that jurisdiction. I think that's what the customer rep was trying to convey. But this does not mean your contractual rights dissolve as soon as you move!
It's a good idea for everyone to go browse through their policies, whoever the carrier might be. You'll better understand your rights, and you might find something interesting. For example, Geico excludes coverage
of anything occurring during an event that sanctions more than 500 miles per day of riding (e.g., all Iron Butt stuff), which is important to know before you set out on that 11,000 mile trip on a $20k bike.