I created a motorcycle policy around 2 AM and woke up 9 hours later and I went out riding for the first time since I pulled the engine out and replaced the timing chain and head gasket, the motorcycle had a bad water pump and I knew it was going out, but I didn’t realize I had completely stopped circulating my coolant, my temp gauge was reading fine. My coolant level was good and my oil level was good. But sitting at a steady 175° my bike began losing power then stalled out, I pulled the oil cap and instantly it was smoking out of it, and after I let it cool it had a noticeable rod knock, but did start. To add to this stressful situation I had paid for an entire year of insurance that morning, and the last thing I wanted to do was lose out on all that money and need to pull out the engine again on top of it. I called progressive and with a less than one minute wait time, a nice lady picked up the phone and I told her about the situation and she gave me a full refund without a single fee, I was expecting it to be difficult and to have cancellation fees, or that it wasn’t gonna be possible, but it took me less than five minutes to get on the app, get the number, and have it canceled, and that brought light to my super stressful situation. As soon as I get my bike back up and running, I will be creating another year policy with them because of this great experience. Thank you Progressive!