Ever since I got my SV several years ago, I was using Beacon for 3rd party insurance. I liked that they pay out agreed value for the bike, and that they would insure my track only bike for theft. These are the 2 things that as far as I know no other 3rd party insurance would do.
Last few years they have left me looking for alternatives. 2 years ago when I switched SV to Triumph, somehow they screwed up, and my Triumph was insured for only $3500 (value of SV) I found this out 1/2 way through riding season, when I got my paperwork from them. It took them 3 months to send me paperwork out after I insured. This made me worried, but Ena said they had some issues, mergers, etc, so this was the reason why. Last year I never got paperwork at all from them. No idea why.
I will most likely be switching to Coast Capital Insurance. My cost will be about the same, but main issue is that CC pays market value on the bike, and not agreed. This is same as Megson and other places, so it shouldnt be a big deal. I would have $3K for gear, instead of $2K I had with Beacon. Main reason I was thinking of them is because they are only ones that offer 3rd party liability. I can get $3M from them, and then lower ICBC to bare min ($200K). That will save me $90 for 6 months of ICBC insurance. Only other issue is that they wont touch track bike, so it wouldnt be insured for theft.
Anyone use CC, and what are your thoughts on them?