I insure my 17 Ram (daily driver), my 01 HD, 98 Bandit, my boat, and now a 1990 Jeep in addition to my house and an umbrella policy. Nothing has accident coverage (comp?) except the Ram and the Bandit. None of the other 'toys' do. All with the same provider, which is a regional outfit and not one of the 'majors'. I'm for the most part very happy with the service and coverage levels. I'm 43 and haven't had a ticket or an at fault claim in over 20 years (knocks on wood) and I've been a client for around that same amount of time, so I pay what I think are good rates. The Jeep is this winter's long term project, but it does run and drive so when I got it I put coverage on it so I could cruise around in it before it gets too cold. When I placed the call for this, I asked the agent to remove all but theft and fire from the Bandit. She basically told me I couldn't and my only option was to cancel it outright, and also they would not insure it again next year if I did this. I found this insane, and when I inquired she pretty much said "you can't just remove coverage during the winter and then put it back on again. If we allowed that everyone would do it". I told her I was considering selling it in the Spring, and would not be riding it any longer. Didn't matter, she just repeated herself. It caught me off guard somewhat, so I didn't protest because she said since I was adding another vehicle I'd get some sort of an additional multi vehicle discount and it would only be like another $20 a month. My actual agent was out of the office as well, and I have a good relationship with her so I figured a follow up call later in the week would get me some more details. A few days ago I got an email stating that they also forgot to add uninsured property damage coverage that I carry on all my other vehicles, so they would be adding that too. Today I got the policy declaration and it's actually costing me $38 a month. Not a huge deal, but basically double what I was told over the phone. I'm calling my actual agent on Monday and requesting an in person meeting to discuss my total insurance needs. I have several questions/issues: Is what she told me about the Bandit common and accurate? It seems like bullshit that I can't change coverage levels to suit my needs. It's kind of a weird situation, as the bike is a compete custom with a couple hand made parts that cannot be replaced without significant expense, if even possible, most notably the frame and swingarm. It has a less than one year old expensive paint job on it also, blah blah. Point is, even though it's a 98 Bandit there's significant money in it. It got me to thinking that if I keep it, I suppose I should shop another provider that offers 'agreed value' coverage, if that's even a thing for motorcycles? Should I think of moving the 'toy' vehicles to a different provider that specializes in this sort of coverage? I typically buy/sell at least one if not two toy/project vehicles a year. Is my situation that out of the normal? What questions or requests should I bring up when I get a meeting with my agent? What other options do I have?