TW200 Insurance Question
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Thread: TW200 Insurance Question

  1. #1
    Junior Member Owl's Avatar
    Join Date
    May 2016

    Question TW200 Insurance Question

    For those of you with newer bikes, what kind of collision, property damage, liability, and medical insurance limits do you carry? I've searched the forum but can't find any information on what is typical.
    Badgerflorida likes this.

  2. #2
    Senior Member Fred's Avatar
    Join Date
    Dec 2011
    Turtle Wrangling the Sierras
    Bodily injury liability $100,000.00
    Property Damage Liability $300,000.00
    Guest Passenger $100,000.00

    Annual premium $60.00

    When a buddy went down hard at the San Rafael Group Ride I took him to the hospital and the hospital's stated intention was to first bill the motorcycle insurance carrier before any personal insurance policy coverage kicked in.
    It took a phone call or two to get the info for the hospital's billing department but the effort likely saved some deductible.
    So carry insurance info for both yourself as well as the TW.
    2003 TW200 "Betty Boop"
    2006 TW200 "Nibbler", a.k.a. “Mr.Gizmo"
    Hidden Content All Things Considered I’ld Rather Be Motorcycling

  3. #3
    Senior Member SportsterDoc's Avatar
    Join Date
    Jan 2017
    Southern Nevada
    The same liability as Fred, plus uninsured motorist, $500 deduct on comp and collision...same as on my truck and car.
    $237 a year with Progressive on my last bike.
    Badgerflorida and Owl like this.
    2014 Honda CB1100
    2018 Yamaha XT250
    2016 Moto Guzzi V7 II
    2017 Yamaha TW200
    2012 Triumph Bonneville
    2002 H-D Sportster 1200 Sport
    2003 H-D Sportster 883
    1976 Honda CB750F
    1975 Honda CB360
    1970 Yamaha CT1
    1972 Yamaha CT2
    1972 Yamaha AT2/CT2
    1970 Honda SL350
    1970 Honda CL350
    1967 Honda CL160
    1967 Honda CB160
    1962 Honda CA110

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  5. #4
    Senior Member Smitty Blackstone's Avatar
    Join Date
    Sep 2014
    Mamaroneck, NY
    Same as Fred.

    I think the TW costs 35 bucks a year.
    Badgerflorida and Owl like this.

  6. #5
    Senior Member NVcowboy's Avatar
    Join Date
    Jul 2018
    Spring Creek, NV
    I was informed that motorcycles and RV's must have full coverage, you can customize from there. I'm not sure if that goes for all 50 or just Nevada. I pay 250 a year but the TW is new and still being financed, once it is paid off in a few months the premium drops to about 80. I have all the same as above as well, better to cover everything than be surprised later.
    Owl and Smitty Blackstone like this.
    If you have to shoot, shoot. Don't talk. - Tuco Juan Ramierez aka "The Rat"
    There's 2 kinds of people in this world, those with guns, and those who dig. You dig. - The Man with No Name

    2018 TW200 - LCpl. Rex T. Dubber
    2010 Savage S40 650

  7. #6
    Senior Member Ski Pro 3's Avatar
    Join Date
    May 2014
    El Dorado, California
    My coverage also covers my riding gear; helmet, jacket, boots, what ever I am wearing, plus all the upgrades. I pay just under $100 a year. If you've ever crashed a motorcycle, replacing the helmet should be high on the list of stuff to replace. My helmet is an Arai and cost me around $500.
    Owl likes this.
    The bear slayer!

  8. #7
    GOF is offline
    Senior Member GOF's Avatar
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    Dec 2018
    Buffalo, NY
    My TW is not yet on the road. But a quick check of my insurance company's website tells me it will add $25 to my policy. So between this and my Suzuki Savage I'll be paying $124 for the year.
    Owl likes this.
    1988 Suzuki Savage
    1987 Yamaha TW200
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  9. #8
    Senior Member Sthrnromr's Avatar
    Join Date
    Oct 2018
    Rural, South Carolina
    I added my 2010 TW to my existing motorcycle policies and think it added about $20 a year.

    Sent from my iPhone using Tapatalk
    Owl likes this.
    TW200 - The Goat
    KTM 300 - Orange Dragon


    Way too many past bikes and builds to list. I won't bore you. Questions? Just ask.

  10. #9
    Senior Member Tinybear's Avatar
    Join Date
    Apr 2014
    SW Ontario
    As always we pay a bit more up north of the border for insurance.

    I pay $300/year full coverage for the TW.

    I had a pretty substantial accident back in 2012 I was riding a Kawasaki Vulcan 500, that I had as a commuter/project bike. Being cheap transport and me being young and unbreakable (so I thought) I opted for the least amount of legal insurance on the bike. But even still never did I pay a dime for my medical care out of pocket, my bills were decided between auto insurance companies (mine and the ladies that hit me) and the Canadian healthcare system. This including all 5 surgeries, 1month of hospital stay. 3-4 months of home nursing to change dressings and service the machine pumping antibiotics into my heart. I was off work for nearly a year and a half but got about %50 of my wages from my work insurance. Finances were real tight by the end, I had blasted through my savings maxed my credit card. BUT I still owned my house and was able to make a near full recovery and return to a fairly labour intensive career being a diesel mechanic. In my case better coverage really would not have offered any benefit BUT my accident was deemed and proven in court to be negligence and careless driving of the lady that hit me. Had I been at fault in any way with the coverage I had I suspect I would have lost my house. As is with everything in my favore it was still way to close to being homeless.

    Point being get the best coverage you can. And hope you NEVER need it and ya wasted that money all those years.
    Sthrnromr, white mule, Owl and 1 others like this.
    2017 Suzuki V-Strom 650 XT

    2010 Yamaha TW200

    2016 Polaris Sportsman 450 HO

    2005 Yamaha Bruin 350 4x4

  11. #10
    Member JPeek's Avatar
    Join Date
    Nov 2018
    I pay about 300 a year for full coverage
    Owl likes this.

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