Although my bike is not insured with GE, I purchased a Yamaha boat several years back and financed it with them. Though i never made a payment late, I did pay by phone several times when I was unsure a mailed check would make it in time. They nailed me the $15 phone fee every time. I took a slightly higher interest rate with a credit union rather than finance my bike with them. Needless to say I wasn't at all satisfied with the institution.