Accessories ~ Motorcycle Insurance

If you’re like most riders, you’ve added various accessories to your motorcycle for function, comfort, and/or style. The additional investments you’ve made can also be insured, through accessories coverage!

This type of motorcycle insurance coverage is available from some insurance companies, usually as optional coverage.
Below is information about accessories insurance, what most motorcycle insurance companies will cover with it, what isn’t covered, how much it costs, and how to choose the right coverage limits.

Accessories Insurance
As you add accessories and upgrades to your motorcycle, your costs and the motorcycle’s value rise. To help protect your investment, you can purchase accessories insurance, which will cover repair or replacement costs if the accessories are damaged or stolen.

What Does Accessories Insurance Cover
Depending on the insurance policy, accessories insurance can be used to cover:

  • aftermarket parts
  • luggage attachments (such as saddlebags, luggage racks, and panniers that aren’t standard on the motorcycle)
  • protective gear (including safety apparel)
  • electronics (such as GPS systems, communication devices, audio equipment, and alarm systems)
  • comfort enhancements (such as custom seats, handlebars, and windshields)
  • safety features (such as anti-theft devices and advanced lighting systems)

What Doesn’t Accessories Insurance Cover
Accessories insurance typically doesn’t cover:

  • wear and tear
  • non-approved modifications (accessories or modifications that aren’t approved by the insurance company and/or are illegal)

Cost Of Accessories Insurance
The cost of accessories insurance can vary, but it’s mostly influenced by: the value of the accessories, the type of accessories, and the make and model of your motorcycle.

How To Choose Accessories Coverage Limits
You should carefully assess the value of the accessories that you have on your motorcycle, and then choose a level of coverage that will protect you investment.

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company.

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If you need to file an accessories coverage claim, it will help to have a detailed record of all of your motorcycle accessories (including receipts, photos, descriptions, and serial numbers).