I would really like to know how much money the MoCo makes off people that are afraid to use their product without a "Plan". It must be substantial. Been riding about 55 yrs and have NEVER purchased one! Take care of the equipment and it will be OK.
I'm sure the profit to the dealers and the MoCo has been huge. In recent years however, CNA is probably wishing they had jacked the prices of the coverage way up, or had come up with a way to shift more of the cost of repairs back to H-D. As Harley's quality and reliability have taken a big dive, repair costs for the ESP company have skyrocketed. That's what drove them to start questioning all expensive repairs and sending reps out to find ways to avoid paying those claims.
I'm one of those people who never buy an ESP (service contract) on anything I buy. I tried to sit down and figure out just how many tens of thousands of dollars I've saved with that approach, but after I figured I'd probably saved enough to buy at least a new bike or small car, I got tired of trying to remember all that stuff. If chit happens, I take the money from the pile I've saved on ESP's over the years and fix whatever broke.
Some folks like Boatman have obviously made out pretty well with the ESP, considering he has had three engine failures since the 110 came out if I remember correctly. But if you set aside the individual examples and just look at overall statistics, the vast majority never get their money's worth from any kind of ESP. Those folks are the ones paying for the repairs for the other guys plus putting all those profits in the pockets of the dealers, the MoCo, and CNA.
Jerry