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LOOKING TO BUY NEED HELP
- Thread starter vooduex
- Start date
You may want to go back to the bank. It was suggested to me on my Spyder loan and my last car loan. Be happy your credit is so good the bank they do not require it.
Are you sure you want it?
Chupaca
New member
Interesting....
I always just called my agent add the unit to the policy have them Fax or email proof and off I go. Regardless of how it is paid. :agree: and I think in CA now if you carry full coverage insurance you are covered on all vehicles. My daughter just got a new Alfa Romeo with the insurance card from her Audi..:dontknow: salesman said when you get a chance add the alfa to the policy....
I always just called my agent add the unit to the policy have them Fax or email proof and off I go. Regardless of how it is paid. :agree: and I think in CA now if you carry full coverage insurance you are covered on all vehicles. My daughter just got a new Alfa Romeo with the insurance card from her Audi..:dontknow: salesman said when you get a chance add the alfa to the policy....
yes I had a 2015 CANAM RT SE and was hit thank god I had GAP insurance completely paid off the bike...he wasnt insured
my insurance does not provide it I will check with other insurance companies. Thanks for answering....
GAP insurance is insurance that covers you in the event something happens (like guy hit me) and if the value of the bike is less than you owe on your loan its covers the GAP in the difference and pays the vehicle off.
This is not a dealer's responsibility. Talk to your insurance agent.
Thanks
I think that is a bit unfair. The dealer may not be able to offer it. When I bought my Spyder four months ago, my credit union offered GAP insurance. Though I financed 100% of the purchase price, the dealer never offered it. Seems like a package deal to me where you have to buy it with the financing.
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Bob Denman
New member
The Bank may be able to offer you the Gap coverage... Ask them about it! :thumbup:
One other thing...
pps:
I realize that I've been guilty of this on more than one occasion; so it's more a case of asking you to listen to my experience...
Borrowing more than what something is worth; for something that you don't really need... this just isn't a wise move... nojoke
If this is your first Spyder: why not buy the base model, and (Hopefully!), not put yourself in such a precarious financial position?
Good luck! :thumbup:
One other thing...
pps:I realize that I've been guilty of this on more than one occasion; so it's more a case of asking you to listen to my experience...
Borrowing more than what something is worth; for something that you don't really need... this just isn't a wise move... nojoke
If this is your first Spyder: why not buy the base model, and (Hopefully!), not put yourself in such a precarious financial position?
Good luck! :thumbup:
blacklightning
Well-known member
But, if you were to even finance a base model, and then it gets hit within a month or so of ownership, isn't there a possibility of an individual owing more than it is worth? Considering the value drops once you drive it off the lot, but the amount you owe only goes down gradually. As for some insurance companies around here, they offer full replacement cost of a new vehicle if it is less than 2 years old. That is not true for all places, but either way, I don't think that would be the responsibility of the dealership. Only the insurer.
Your post had me re-reading the OP's post, and my reply. You could be right, as you might not be able to finance with one company, and buy GAP from another.
ofdave
New member
Not sure why the dealer would be expected to offer insurance.
Some do have insurance selling capabilities but it is because they are insurance agents and that is separate from bike sales.
Does your insurance company sell motorcycles?
GAP is insurance obtained through an insurance company and becomes a part of your policy.
Never heard of an insurance company not offering GAP.
Make some calls to your agent.
Some do have insurance selling capabilities but it is because they are insurance agents and that is separate from bike sales.
Does your insurance company sell motorcycles?
GAP is insurance obtained through an insurance company and becomes a part of your policy.
Never heard of an insurance company not offering GAP.
Make some calls to your agent.
SPECTACUALR SPIDERMAN
New member
ask prisondude what to do. :roflblack:
Bob Denman
New member
There is always that chance. :dontknow:
But if you are able to finance a lower percentage of the purchase price (Your down payment will go a lot further); the chances are reduced...
I've been there. :banghead:
crazycanuck
New member
In New York State, you needed an insurance license to sell GAP. 99% of the dealers contracted it out as a service to it's customers who did not put much money down and could easily have a gap between the insurance company check and the balance owed on the wrecked unit. Since this is a want and not a need purchase, why not put down more money and save the GAP premium?
SpyderAnn01
Active member
Our bikes are insured through Progressive and we carry replacement coverage on the new ones. They offer the coverage on vehicles that are 1 to 2 models years old and it was very inexpensive.
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