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Extended Service Plan

Harley-Davidson Extended Service Plan

Overview
Mechanical Breakdown Coverage
Expense Reimbursement Package
Optional Tire & Wheel Coverage
Additional Benefits
Frequently Asked Questions
How to Enroll
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HARLEY-DAVIDSON EXTENDED SERVICE PLAN

(Available only for Harleys still under Factory Warranty or Current Extended Service Plan)

"A sound investment and valuable protection"

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Even if you never have a problem and don't expect one, riding with the Harley-Davidson Extended Service Plan will reassure you while on the road. This plan provides you with protection against unexpected repair costs that may result in significant out-of-pocket expenses. You even choose the length of coverage that best suits your individual needs. Simply put, you'll always ride worry-free with the Harley-Davidson Extended Service Plan.

Under this plan, you'll know that more than 1,100 parts on your motorcycle are covered. And all repairs are performed by experts at your Harley-Davidson dealership using genuine Harley-Davidson parts. If it's a $500 brake caliper--you're covered! If it's a $5,000 engine job--you're covered!

Repair costs tend to increase every year, but with the Harley-Davidson Extended Service Plan you can protect yourself from these potentially high costs. All you'll eve pay is a $50 deductible per visit for covered repairs during the life of the plan. Plus, there is no deductible for anything under the Expense Reimbursement Package, Optional Tire & Wheel Coverage, or any breakdown of a covered part that was previously repaired or replaced under the terms of the plan. In short, your finances are protected from costly repairs.

(Please refer to the actual contract (Part I and Part II) for specific coverage, exclusions and restrictions.)

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For new motorcycles, the Expense Reimbursement Package and Optional Tire & Wheel Coverage begin the same day you purchased your motorcycle, while the Mechanical Breakdown Coverage begins the day after your factory warranty expires. All coverage continues for the life of the contract.

You must acquire the Harley-Davidson Extended Service Plan before your factory warranty ends. Once your warranty expires, there is no way to get this important coverage, at any price.

Mechanical Breakdown Coverage

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· Nationwide Harley-Davidson Repair Location Assistance - Ready to assist when a breakdown occurs. Our Harley-Davidson Service Center will direct you to the nearest Harley-Davidson dealer for repairs.

· Locked In Repair Costs - All you will ever pay is a $50 deductible per visit for covered mechanical repairs. Plus, there is no deductible for anything covered under the Expense Reimbursement Package or the Optional Tire & Wheel Coverage.

· The Only Harley-Davidson Extended Service Plan - All repairs performed by experts at your Harley-Davidson dealership using genuine Harley-Davidson parts.
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Expense Reimbursement Package

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· Rental Reimbursement - $75 per day up to $750 for rental vehicle charges when a covered breakdown occurs.

· Travel/Lodging Reimbursement - For meals and lodging of $150 per day up to $450 per occurrence in case your trip is interrupted by a covered breakdown.

· Towing Reimbursement - Up to $200 per occurrence gets you to a Harley-Davidson dealer.

Optional Tire & Wheel Coverage

· Tire & Wheel Coverage - Will pay to replace your tires and/or wheels if damaged due to contact with a road hazard.

Additional Benefits

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· Future Contract Guarantee - Allows you to extend your contract coverage for up to 5 additional years

(subject to our underwriting guidelines).

· Transfer Your Contract for Free - If you sell your Harley-Davidson motorcycle, you can transfer your contract for free to the next owner. This is an excellent way to increase your motorcycle's resale value!

Frequently Asked Questions (FAQ)

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Q: What does the Harley-Davidson Extended Service Plan cover?

A: Every Harley-Davidson Extended Service Plan automatically includes our Expense Reimbursement Package, which provides you with reimbursements for rental vehicles, pick-up and towing charges, and even lodging and meals if you are stranded away from home. Our Optional Tire and Wheel Coverage protects you from hazards you encounter on the road. And our Mechanical Breakdown Coverage covers virtually all the major parts and systems on your motorcycle.

Q: When does the Harley-Davidson Extended Service Plan coverage start?

A: For new motorcycles, both the Expense Reimbursement Package and Optional Tire and Wheel Coverage start the same day as your factory warranty. The Mechanical Breakdown Coverage begins the day after your factory warranty expires. All coverage continue begin the same day the bike and service contract are purchased.

Q: Will the Harley-Davidson Extended Service Plan save me money?

A: With today's advanced technology, repair cost have increased and will likely continue to do so. The future costs of even one unexpected repair may easily exceed the cost of buying a Harley-Davidson Extended Service Plan now. For covered repairs, all you pay is a $50 deductible per visit. Plus there is no deductible for anything covered under the Expense Reimbursement Package and the Optional Tire and Wheel Coverage. And you'll pay nothing for any covered parts previously repaired or replaced under the terms of your plan.

Q: What if I decide to sell my motorcycle before the coverage ends?

A: Unlike many other service plans, you can transfer any remaining coverage to the next owner for free. This can further enhance the value of the motorcycle, and help you get the highest possible resale price.

Q: Can I wait to get the Harley-Davidson Extended Service Plan until after my factory warranty expires?

A: No. You must acquire the plan before your factory warranty ends. Knowing how time slips away, the easiest and best idea is to "lock-in" your repair costs now. This valuable protection can even be included in your monthly payments. For used bikes, you must purchase the protection the same day you purchase the motorcycle.

Q: How do I enroll in the Harley-Davidson Extended Service Plan?

A: Contact the Finance Department at Kutter Harley-Davidson Janesville. The contracts will be sent for your review and payment. Return contracts to KHD to begin your protection and to receive your membership card.

How to Enroll / Purchase ESP

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· Follow the link below to purchase the Harley-Davidson Extended Service Plan of your choice.

· Kutter’s Finance & Insurance Department will mail you the necessary contracts for your review and signature.

· Don’t delay, protect your motorcycle with Harley-Davidson’s Extended Service Plan today!

· Motorcycle must be under factory warranty or existing Harley-Davidson Extended Service Plan & less than calendar years old.

Contact Jim Palmer with any questions.

finance@kutterharley.com

(608) 314-1722

Motorcycle Liability Insurance

Whether you're an enthusiast or a first-timer, having fun, being responsible and staying safe is what it's all about. Being responsible includes finding the right insurance.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

In many states, you must have basic insurance to cover the cost of losses you cause to others in an accident.

The key to finding the right insurance package that fits you, is understanding the different options which are available.
Liability Coverage

(Bodily Injury & Guest Passenger)

 Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision Coverage Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive Coverage Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your bike. If you decide to add on any additional optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you need to look into obtaining additional equipment coverage.
Uninsured/Underinsured Motorist Coverage A coverage in personal or commercial auto policies that provides protection against bodily injury loss (also property damage in some states) when the insured is involved in an accident with a motorist who either is not insured, or has insurance, but that insurance either is less than the limits the insured carries, or the limits are not enough to pay the insured's damages. In some states, these coverages are combined; in others, they are listed as separate coverages.

Guaranteed Asset Protection
Imagine you just purchased a brand new Harley-Davidson Street Glide three months ago, and it was stolen right before your eyes as you were eating in your favorite restaurant. Not to worry, you are fully protected by the full coverage motorcycle insurance policy your financial lender required you to get. Right?

In most cases, not exactly, if you look into the details of the motorcycle insurance policy you purchased. The reason is that most full coverage motorcycle insurance policies will cover for total loss such as theft, accident or natural disaster, but these policies typically only cover the depreciated market value of the motorcycle not the outstanding value of your motorcycle loan.

Therefore, if you opted for a zero down payment motorcycle loan on your Harley-Davidson Street Glide, you may have depreciated faster than you have paid down the value on your motorcycle loan. Since your motorcycle insurance policy will most likely only cover the depreciated market value of your Harley-Davidson Street Glide, you are responsible for the difference in the value the insurance company pays you for your stolen or totaled motorcycle and what you actually owe on your motorcycle loan.

In the event a motorcycle is stolen or totaled, motorcycle buyers in the first two years of a motorcycle loan are the most susceptible to not being reimbursed enough from their motorcycle insurance policy to cover the value of their motorcycle loan. So what is a motorcycle buyer to do to protect against the outstanding value of their motorcycle loan?

The answer for some motorcycle buyers is a GAP POLICY. GAP is a total loss policy that will pay the difference of the amount your motorcycle insurance company pay’s you for a total loss on your motorcycle and the value of your motorcycle loan.

Here is a quick example. Let’s say your Harley-Davidson has a going depreciated market value of $17500, yet you owe $20,500 on your motorcycle loan for it. In the event of total loss such as theft or an accident, your motorcycle insurance policy will likely only pay you the used market value of $17500 minus the deductible ($500). However, you still owe your motorcycle lender $20500 so you have a gap of $3,500 ($20500-$17500-$500=$3500). GAP covers the $3500 gap that you still owe to the motorcycle lender since the motorcycle insurance company only paid you $17500 for your stolen or totaled Harley-Davidson Street Glide.

Is GAP for everyone? Not exactly, it really depends on your financing arrangement. Here are some tips in deciding if gap insurance is right for you.

1. If you entered a zero down payment motorcycle loan especially for an extended term like 48-84 months GAP is probably a good idea for you. On the other hand, if you put a large down payment down with your motorcycle loan your probably better without it.

2. If you are getting a motorcycle loan on a motorcycle model that has a history of depreciating very fast, GAP is likely a good alternative for you. To determine this, compare the depreciation rate of your motorcycle with the pay down of the principal on your motorcycle loan. This will give you an indication if you would be upside down if your motorcycle was stolen or totaled.

3. Check all of the details of your full coverage motorcycle insurance policy to make sure that it does not cover the gap between the market value of your motorcycle and the value of your motorcycle loan. A very small percentage of motorcycle insurance policies cover the value of your motorcycle for the first year without considering depreciation. If you are lucky and your full coverage insurance policy covers 100% of the motorcycle without considering depreciation there is little need for gap insurance.

4. Are you purchasing a used motorcycle? If so GAP is an option for you to purchase.

Overall, depending on the financing situation GAP can provide some excellent financial security to motorcycle buyers purchasing their motorcycle with a motorcycle loan. However, each motorcycle buyer’s situation is different and the above four factors can be helpful in determining if GAP is the right decision.

Credit Life Insurance
Protect your future by protection your family. Credit life insurance is a low-cost, voluntary coverage that pay your motorcycle loan off up to the policy maximum if you are your covered joint borrower dies.

Accident/Health Disability Insurance
This insurance can help you plan for your future, not only to further your dreams but to protect you from circumstances unforeseen. Disability insurance is a low-cost voluntary coverage that makes your monthly motorcycle loan payments up to the policy maximum should you become disabled. Payments continue you are no longer disabled, until the loan is paid off, or in the event of your death.
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