anyone ever read what you're actually covered for?

[DBotkin]

Originally Posted by Mammascruiser

Our local dealership gives a 10% discount on parts and labor.

Ours gives us a 10% discount for having bought a bike there. They also give 10% to HOG members, but you can only use one (no 20% if you bought there AND joined HOG).

If you figure your personal insurance with roadhazard coverage in with your HOG membership as well as the bonus for having extended warranty coverage, it might be a hassle to send the bills everywhere but I think you will be surprised how much coverage you really have.

You know, after reading this I went back to the HOG site and re-read all their roadside assistance options. The Ultra/Ultra-Plus didn't sound too bad for the money, right up until this little gem:

You may qualify for the travel expense reimbursement if any of the following occurs: your covered motorcycle is disabled as a result of a mechanical breakdown of a warranty covered component (still under the original Limited Warranty or Extended Service Plan) and is 100 miles or more away from your residence; or your covered motorcycle is disabled as a result of a collision, is 100 miles or more away from your residence and repair is delayed overnight due to the unavailability of required parts.

So, since I don't have an extended warranty on my bike, I'd be left with towing to the nearest HD dealer, 35-mile radius towing on my cars (on which we already have towing insurance), and the usual complement of "dumbass remediation" services we haven't needed in over 20 years, like gas delivery, opening locked doors, and putting your own spare tire on.

I was all ready to reconsider dropping my HOG membership, but it's still just not worth it. Hell, even with a membership, we still have to pay extra to join the local chapter - which is why we never did anyway - AND an extra chunk for my wife to get her pin & patch.

I'm sure it's worth every penny to some people, but after being a member for a couple of years I just couldn't justify the membership any more. It's not the money, it's the near-zero value provided for the money. The trip planner is the only thing I miss so far, and I'm sure I'll get by somehow.

[Elk Oil]

I'm glad I read this thread. I'm a new HD owner and moved into NH where for the first time I have Progressive. They cover everything for a $10 annual rider on the policy.

Thanks for the info!