Insurance Companies Confused by BMW
Posted: Tue Nov 10, 2009 2:15 pm
It was bound to happen. BMW in its infinite wisdom regarding model naming conventions has not only confused the entire BMW community but now leaves the insurance industry dumbfounded.
I received my motorcycle insurance policy "declarations page" in the mail yesterday and immediately noticed they had me insured for a F800GS. I telephoned my agent and he said to check the VIN number and if the VIM number is correct then its okay. I told him my bike is an F650GS, NOT an F800GS which is different. Then I explained how its really a 800cc engine that has been detuned to lower horsepower. He said the insurance rates are based on engine CC size, and thats likely why they show it as an F800GS.
Now I have to ask, will they pay me for an F800 GS if my bike gets totalled?
I received my motorcycle insurance policy "declarations page" in the mail yesterday and immediately noticed they had me insured for a F800GS. I telephoned my agent and he said to check the VIN number and if the VIM number is correct then its okay. I told him my bike is an F650GS, NOT an F800GS which is different. Then I explained how its really a 800cc engine that has been detuned to lower horsepower. He said the insurance rates are based on engine CC size, and thats likely why they show it as an F800GS.
Now I have to ask, will they pay me for an F800 GS if my bike gets totalled?