moved/insurance question "for a friend" - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
General V-Strom Discussion Talk about all things V-Strom not limited to just one of the above models

 13Likes
Reply
 
LinkBack Thread Tools Display Modes
post #1 of 25 Old 08-08-2019, 04:38 PM Thread Starter
Stromthusiast!
 
America First's Avatar
 
Join Date: Aug 2018
Location: back in PA
Posts: 174
moved/insurance question "for a friend"

What options do you have if your bike insurance is about to expire, but you've moved, are in an Airbnb, and don't have a permanent address yet to give your insurance company? I think they want to see a bill or W-2. Don't have that yet either. I mean- my friend doesn't have that yet either. Bike is a 2017 V-Strom, so it can't go uninsured. Only options I see are asking someone local if I can use their address for a month or so until my housing situation gets figured out, or selling or consigning my bike.

Much obliged for all the suggestions!

2017 DL650 (white)
America First is offline  
Sponsored Links
Advertisement
 
post #2 of 25 Old 08-08-2019, 04:50 PM
Stromthusiast!
 
Big Boy's Avatar
 
Join Date: Mar 2019
Location: Weddington, NC
Posts: 573
Garage
IMHO - Contact an insurance agent and ask.
oldjeep likes this.

"There comes a time in the affairs of men, when we must take the bull by the tail and face the situation."
W. C. Fields
Big Boy is offline  
post #3 of 25 Old 08-08-2019, 04:58 PM Thread Starter
Stromthusiast!
 
America First's Avatar
 
Join Date: Aug 2018
Location: back in PA
Posts: 174
I hear ya, and I will have to do that, but there's no way to anonymously call and ask them anything anymore. As soon as I call, they'll know who I am.

2017 DL650 (white)
America First is offline  
 
post #4 of 25 Old 08-08-2019, 06:55 PM
Stromthusiast!
 
RCinNC's Avatar
 
Join Date: Dec 2012
Location: North Carolina
Posts: 4,780
If you're in an AirBNB for a month, why not just use the AirBNB address for a month? You can get paperless delivery of all the documents from the insurance carrier so they won't need to mail you anything, and when you get a permanent address you can just contact your insurance carrier and change your address.

As for calling an insurance company, why would they know who you are as soon as you call? If you're worried for some reason about Caller ID, then dial *67 before you dial their number. Just ask to speak to an agent and phrase your question as a hypothetical. Last time I called a local insurance agent is wasn't like calling MI5; no one vetted me before they let me talk to a sales agent. After all, they want to sell you something.

"No matter where you go, there you are."
RCinNC is offline  
post #5 of 25 Old 08-08-2019, 07:53 PM Thread Starter
Stromthusiast!
 
America First's Avatar
 
Join Date: Aug 2018
Location: back in PA
Posts: 174
Hey RCinNC, I appreciate it. I'd LOVE to just use the Airbnb address, I just thought the insurance company won't accept that. I think I just need to call it my "primary address" and not mention it's an Airbnb. I just can't get any mail at the Airbnb.

I didn't know about the *67! That's awesome. I'll dial that, call my insurance company, and without identifying myself in any way, ask the "hypothetical" question as you suggested (including making sure the paperless billing is not an issue). I'm sure I'm not the first person to be in this situation.

Much obliged!

2017 DL650 (white)
America First is offline  
post #6 of 25 Old 08-08-2019, 08:54 PM
Stromthusiast!
 
RCinNC's Avatar
 
Join Date: Dec 2012
Location: North Carolina
Posts: 4,780
Use the AirBNB as your physical address if they ask, but go rent a PO Box or a mailbox from someplace like Mailboxes Etc and have your mail sent there from the insurance company. You aren't lying; the BNB is your physical address for the moment, and lots of people prefer to get their mail at a PO Box rather than their home. Your biggest problem in securing insurance might be if you've moved to a new state and you still have a driver's license from your old state.

"No matter where you go, there you are."
RCinNC is offline  
post #7 of 25 Old 08-08-2019, 09:09 PM
Stromthusiast!
 
Pepe lopez's Avatar
 
Join Date: Sep 2017
Location: Colombia
Posts: 114
I was in the same spot awhile ago,, i got a PO box, works, no questions asked,, then/or change address with post office, or set up a mail forward to your street address if you need to,,ie different city/state..
notacop and America First like this.

2016 wee strom -- when in doubt, give it gas
2009 KLR 50k
2005 KLR 25k stolen
1982 XJ1100 200k miles and going, only oil and plugs
1976 XS750 special
1966 international pickup, Harley retrieval vehicle
Pepe lopez is offline  
post #8 of 25 Old 08-08-2019, 09:37 PM
Stromthusiast!
 
Join Date: Nov 2017
Location: Houston, TX
Posts: 321
Why doesnít your ďfriendĒ just renew the existing policy? Air bnb is no different than hotel. Your friend is traveling for extended vacation is all. I canít see the temporary status as any different than taking a road trip to Alaska. Or temporary work assignment. I really donít see the problem here. Retirees sell their home and live out of an rv traveling state to state and they manage to somehow insure their possessions. Might troll the aaa website, good Sam or or rv forums to see how itís handled.
America First likes this.
Houstrom46* is offline  
post #9 of 25 Old 08-09-2019, 12:28 AM Thread Starter
Stromthusiast!
 
America First's Avatar
 
Join Date: Aug 2018
Location: back in PA
Posts: 174
Hmmm, I hadn't thought of that. I'll look into it. And good suggestion to check those websites, thanks.

2017 DL650 (white)
America First is offline  
post #10 of 25 Old 08-09-2019, 01:04 AM
$tromtrooper
 
drrod's Avatar
 
Join Date: Jun 2012
Location: Calgary, Alberta
Posts: 1,884
I honestly don't think this is a problem in this day and age. Many people literally have "no fixed address". I know of several people that either:
- live 100% in an RV
- live for a period of time in various places doing things like house sitting and literally do not own or stay in one place for more than a few months at the most.

They have a PO box that they rent with arrangements to forward any mail that comes to wherever they are at the time, but utilize electronic mail for the vast majority. None of them have ever mentioned having an issue.

About the only reason insurance would want an address is because their rates can vary depending on where you live.
America First likes this.

drrod is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome