| Author | Message | ||
     Feinstei |
I purchased a policy for my 08 1125R from Dairyland Insurance as did many people here last year. When I sold my 1125R this past May, I called to cancel my policy as well as sending a letter that they required in order to cancel the policy. Dairyland has kept the $200 or so that I am owed for the unused part of the policy and has ignored and refused my request for a refund. I would suggest that anyone enticed by the low cost of the Dairyland 1125R insurance be very clear on what their policy cancellation policies are and get in writing exactly what you must do if you cancel your policy with them. Legitimate motorcycle insurance companies that I've dealt with in the past (such as Progressive) have promptly sent refunds for unused time on the policy as of the date that I called them to cancel. They have allowed me to FAX a signed letter of cancellation as of the date of sale of the cancelled motorcycle. Not so Dairyland. My only warning is to be VERY careful so that you won't lose money as I did. | ||
| Xl_cheese |
I had a similar problem last year. They quoted me an amount so I bought it. Got all my paperwork in the mail and the amount was different. I called to straighten it out and they said to call back in a couple weeks with the person that sold me the policy returned. When I called back they had removed all of my discounts and the policy jumped 400 bux because I had not yet returned my signed paperwork. I never sent it back because I wanted to get the original quote straightend out first. I then asked to cancel it and they insisted on removing my discounts before calculating my refund. Not a good experience. | ||
| Bikejunky |
CLASS ACTION? | ||
| Endoman33 |
Attorney General from the state you live needs a copy of your complaint. Be as specific as you can with dates the policy was cancelled,the date of the telephone calls and what time and who you spoke with including their employee ID number. Alot of business are required to record telephone calls (now they do have to tell you that they are recording). Be polite but firm. | ||
| Brent1125russ |
Had the same experience with Dairyland, the original quote was great, but after the 'adjustment' or whatever, it was another $100 a year. I ended up going with State Farm and bundling with my house policy for $360 a year. (28yo M, 1 ticket, no accidents, no prior claims, $2000 deduct, full coverage including under-insured) | ||
| Dentguy |
Not sure about all the details of when your policy started or if it renewed, but some have a minimum amount that will not be refunded. For some reason the words "minimum amount earned" ring a bell. For example, let's say you renewed or started a policy in March and canceled it in May and the policy was $600.00 a year. That could be seen as $50.00 a month or $100.00 for 2 months and you feel they owe you back $500.00 for the unused insurance. But, some insurance companies have a minimum amount earned (possibly $200.00) and no matter when you cancel you don't get that amount back. Not sure if that's your situation, but it is a question people should ask their company when signing up for a policy. | ||
| Badlionsfan |
Gotta support those who support us, Geico all the way. | ||
| Doctorneon |
Why do you think it's named dairyland? Because they will milk you dry.  | ||
| Boogiman1981 |
word on geico. they have me straight hooked up. less for two bikes with them than it was for one with progressive | ||
| Oddball |
For me, Progressive was half as costly as Geico. Gave Geico their chance, they blew it. | ||
| Ridenusa4l |
Geico saved me $$$7,200 DOLLARS  Jake | ||
| Chadhargis |
I've had very good experiences with Dairyland. Tried Geico, and they were second cheapest after Dairyland. | ||
| Feinstei |
Yes, Dairyland is cheap. However, they do not abide by ethical insurance industry practices. I'd be curious to know whether anyone has ever filed a claim with Dairyland and if they honestly, professionally, and ethically handled those claims. I repeat the warning from my original posting. I was not treated in an honest way by this company and urge others to be VERY careful before purchasing a policy from them. | ||
| Niceguyeddy |
My advice is to steer clear. | ||
| Chevycummins |
State Farm does the same thing, If you pay the whole amount for a year and cancel it early they keep the money. I set mine up to automatic deduction each month so if I cancel I only loose one month of money depending on when I cancel. | ||
| Bishopjb1124 |
I think you accusations of Dairyland being unethical are based upon the fact that you did not read your entire policy before signing it. If Dairyland actually did this they would not be in business the BBB would have shut them down and they would have needed to file bankruptcy due to the lawsuits. Remember these companies are smart and they will cover their own asses, READ THE FINE PRINT BEFORE SIGNING ANY DOCUMENTATION!!!!!!!!!!!!!!!!!!!! But hey this is just opinion and everybody knows opinions are like yada yada yada you get the point.  | ||
| Mattwhite |
I had claim with Dairyland soon after I started riding. They handled it well. They were the only ones who has anything near reasonable rates when I was looking. I haven't shopped around lately. | ||
| Niceguyeddy |
No probs for you doesn't mean it's b.s. Not everything is black and white. Don't take it personally because you've had no issues. No offense to any of the above. (Message edited by niceguyeddy on July 22, 2009) | ||
| Clbofaz |
Ive also had good experiences with Dairyland. Like many, my rates went up after the purchase date quote but that was because there were 3 tickets on my books rather than the 1 I told them. It jumped from 1K to 1500 because of this. But it was my fault... I once had some really technical questions regarding some of their calculations of premiums and one customer service rep actually walked me through the figures for like 20 min. Felt like they cared. Then again, the true test is making a claim and dealing with a business when something goes wrong. That's the true measure. To that end, I'm sorry for your hassle. I know the woes of shoddy insurance (read: state farm claim open for a year plus now!). If it helps, I found this handy with all big businesses (mostly when they have call centers); call the place over and over talking to different reps. Some are more "agreeable" than other. Try to get them to make a decision before looking up your info and see that you've already had this issue "handled." GL | ||
| Mattwhite |
Relax, I was just answering the question about getting claims taken care of. I'm not calling you a liar and I'm not suggesting they would never screw anybody over, especially someone trying to cancel service. In my experience, every company that deals in subscription/renewal services will make it extremely difficult to leave - just try to stop the next fertilizer application after they get your credit card number. I think the insurance companies can give different experiences in different locations, too. Geico wouldn't even offer an estimate in Michigan. Progressive wanted a few grand on a CityX. State farm would only give an estimate until the bike was brought to them for inspection, that might be caused by a similar policy to what some people saw with the price changes, but with a more honest local agent. For future reference - Anybody who thinks I might be calling them an *^%#$^&. Don't worry, I tend to be clear about that. People often miss my sarcasm, though | ||
| Niceguyeddy |
...relaxed,  if your referring to me that is. They were great for many years, then we differed on opinions. I'll leave it at that. I don't believe it to be "screwing over" as much as I believe it to be severe lack of communication between H.D. Insurance (a.k.a. middleman) and Dairyland. I just wouldn't do it again. All the best to you. Btw, my friend just rode his newly aquired 1125R home today and let me ride it...what a f'n blast! (Message edited by niceguyeddy on July 22, 2009) | ||
| Court |
>>>Not everything is black and white. Actually in the world of insurance . . . it is. Insurance is a written binding contract. Did Dairyland breech the contract? | ||
| Court |
>>>I'd be curious to know whether anyone has ever filed a claim with Dairyland and if they honestly, professionally, and ethically handled those claims. That's easy. Took me less than 60 seconds to find a complete summary of all the policies they had written for cars and motorcycles and summaries of complaints. Here, for what it's worth, is a complete review, from one state, of Dairylands practices and procedures with respect to handling of complaints, cancellations, underwriting and claims. HERE is a review audit conducted regarding Dairylands practices. I was not, however, able to find the "they do not abide by ethical insurance industry practices. " that you refer to. If in fact they really " has ignored and refused my request for a refund. " you have a solid claim. I confess that I am confused about how they can "ignore" AND "refuse". Those terms appear mutually exclusive. Just thoughts . . . | ||
| Niceguyeddy |
I should clarify that mine was neither a claim or refund issue. Rather it was a huge price misquote as well as them not canceling my policy when requested in both written form as well as verbal (new insurance info included as required and at the end of my coverage term). A years worth of providing paperwork to the collectors they hired and they finally realized their mistake and or simply gave up. So,in this case it is more than black and white. This was not a policy issue, it was as I mentioned above a huge lack of communication. (Message edited by niceguyeddy on July 22, 2009) | ||
| Jiffy |
I have never had an issue with Dairyland. They have always had the lowest prices and every year I renew it goes lower. I have read the fine print on many insurance policies and many say that you must pay if you cancel before the policy is up. |
