Quote Originally Posted by NbyNW View Post
And of course, if the bike ever shows up, I will.

My rates absolutely did go up. I was a three-year customer at that point. Does that qualify as brand-new? I've moved cities four times in the past ten years. Maybe I'll always be brand-new.

In my most recent move, one insurance company would not offer us a policy because the claim I made for this bike was within the last five years. So in retrospect maybe it was a bad idea to make the claim and I should have just paid out of pocket for my replacement bike.
It's a tough call, isn't it? I have stuck with the same company for car & home and lived in the same area for 20 + years, so they're bound to be a bit more forgiving. (eek, closer to 30 than 20)