Foreigner visiting US - bike insurance advice - BMW Luxury Touring Community
 
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post #1 of 7 Old Apr 14th, 2006, 6:38 am Thread Starter
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Foreigner visiting US - bike insurance advice

Hello

I have a NZ friend who will be visiting the US for 3+ months, buying a bike here (GW?) and taking home with him (i.e. they are not renting). While here he and his wife will be travelling around the US and Canada on said bike. Insurance information is very difficult to obtain in NZ relating to this little exercise.

As he has no fixed abode here in the US, I assume he will have to buy insurance in the state he buys the bike (probably CA) as he will need coverage from the moment he buys it.

Anyone with experience/advice?

Ralph
Located: Auckland, New Zealand...
but I left my biking heart along the Scenic Byways of America.....

"Come fill the cup that clears
Today of past regrets and future fears." ....Omar Khayyam
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post #2 of 7 Old Apr 14th, 2006, 8:27 am
ajs
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Foreigner visiting US bike ins. adv.

I have just gone through an exercise of trying to insure my "05 LT so I could ride it legally from Florida into Canada. I found I couldn't without a lot of ins. and bike registration requirements that could mean multiple policies and increased costs. I ended up having the bike transported to the border and picking it up there.

What does this have to do with your question?.... I found, in going through the above, Insurance companies can only sell insurance in an area where they are licensed to sell. Where the motorcycle is registered determines whether an ins. co. can sell coverage. In other words, if the bike is registered in California any insurance co. licensed to sell in California can provide coverage and as long as the bike continues to be registered there. It can be ridden anywhere in NA and continue to have coverage. It may also require the owner have a California address as well, I am not sure in that regard. I hope this is of some help to your friend.

Austin
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post #3 of 7 Old Apr 14th, 2006, 8:46 am Thread Starter
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Thanks Austin....all grist to the mill.

Ralph
Located: Auckland, New Zealand...
but I left my biking heart along the Scenic Byways of America.....

"Come fill the cup that clears
Today of past regrets and future fears." ....Omar Khayyam
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post #4 of 7 Old Apr 14th, 2006, 9:13 am
 
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Not sure how good of friends ya'll are but...

Maybe you can buy the bike, insure it, let em ride it, turn it all back over to your buddy when its time to go home. You could use his $$ to do the transactions up front.

I think the over all cost might be less than the other alternatives, ie, shipping, etc, worth a thought or two maybe

regards...geo
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post #5 of 7 Old Apr 14th, 2006, 9:37 am Thread Starter
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Geo

Not such a wierd idea....so long as the insurance can sustain claims I guess and I can't get stung for the accident and follow-on suits. Yep, worth thinking about. Oh, bugger, then he'll have to pay Philadelphia rates - that'll sink the entire trip!

Ralph
Located: Auckland, New Zealand...
but I left my biking heart along the Scenic Byways of America.....

"Come fill the cup that clears
Today of past regrets and future fears." ....Omar Khayyam
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post #6 of 7 Old Apr 14th, 2006, 11:14 am
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Foreigner? If he is on a bike he's just a friend we haven't met yet.
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post #7 of 7 Old Apr 14th, 2006, 1:08 pm
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Id ask my insurance agent what needs to be done.

Local accident rates and costs effect the price we pay for insurance. So, he might be able to effect the cost based upon what address he uses?

Here in AZ, we must carry proof of insurance with us.

Bob
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