Harley-Davidson Insurance Reviews
Harley-Davidson Insurance Services offers specialized motorcycle insurance designed to meet the needs of Harley riders. Reviews of their services highlight several key aspects:
Customer Experience: Harley-Davidson Insurance has a mixed reputation among customers. Some users report positive experiences with the company's specialized coverage options and responsive claims process. However, there are also negative reviews citing issues with automatic payments and significant rate increases without clear justification. For example, one customer reported repeated issues with automatic payments leading to cancellation notices, while another experienced a significant rate hike despite having no claims or traffic violations (Consumers Advocate) (BestCompany.com).
Coverage Options: The coverage options are comprehensive and cater specifically to motorcycle enthusiasts. Harley-Davidson Insurance offers liability, collision, comprehensive, and coverage for custom parts. They also provide options for guest passenger liability, roadside assistance, and rental reimbursement. This extensive range ensures that riders can find a policy that fits their needs, whether they own a standard bike, a touring motorcycle, or a highly customized ride (Consumers Advocate) (BestCompany.com).
Financial Stability and Underwriting: Harley-Davidson Insurance policies are underwritten by Sentry Insurance, which has an A+ rating from AM Best, indicating strong financial stability. This partnership adds a layer of reliability to the insurance offerings, giving customers confidence in the company's ability to handle claims and financial obligations (Consumers Advocate) (Motorcycle Ride Coverage!).
Pricing and Discounts: Pricing is a notable point of contention among customers. While Harley-Davidson Insurance offers various discounts, including those for safe riders, homeowners, and members of the Harley Owners Group, some customers find the premiums to be higher compared to other providers like Progressive or GEICO. Discounts are available for multiple motorcycles, new riders, and those completing safety courses, which can help reduce the overall cost of premiums (Motorcycle Ride Coverage!).
Customer Support: Customer support reviews are varied. Some users appreciate the 24/7 claims service and the convenience of managing policies through the mobile app, while others have reported frustration with customer service interactions and policy management issues. The mobile app offers additional features like ride planning and dealer locations, which can be beneficial for riders (Motorcycle Ride Coverage!).
Overall Assessment: Harley-Davidson Insurance provides a specialized and comprehensive set of insurance options tailored for motorcycle enthusiasts. While there are positive aspects such as specialized coverage and strong financial backing, potential customers should be aware of the mixed reviews regarding customer service and pricing. It’s advisable to compare quotes from multiple providers and consider the specific coverage needs and available discounts before making a decision.
For more detailed reviews and information, you can visit sites like Consumers Advocate and Best Company (Consumers Advocate) (BestCompany.com).
