Custom Parts, Equipment, And Gear ~ Motorcycle Insurance

If you’ve decked your motorcycle out with custom parts, equipment, or gear, you’ll want to make sure that you have it covered in the case of an accident, damage, or theft!

This type of motorcycle insurance coverage is available from most insurance companies, usually as optional coverage, not as part of a standard policy.

Below is information about custom parts, equipment, and gear 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.

Custom Parts, Equipment, And Gear Insurance
Custom parts, equipment, and gear insurance helps safeguard the custom parts, equipment, and gear that you’ve added to your motorcycle to enhance its performance, appearance, and/or functionality.

What Does Custom Parts, Equipment, And Gear Insurance Cover
Coverage varies from insurer to insurer, but custom parts, equipment, and gear insurance might cover:

• aftermarket modifications (such as custom exhaust systems, upgraded engines, and suspension modifications)
• performance upgrades (such as high-performance carburetors and upgraded fuel management systems)
• custom paint jobs (unique paintwork, including custom designs, airbrushing, and decals)
• body modifications (such as custom fairings, modified fenders, and custom seats)
• specialized wheels and tires
• custom handlebars and mirrors
• electronic additions (such as GPS navigation systems, upgraded stereo systems, and communication equipment)
• safety enhancements (such as additional lighting systems, anti-theft devices, and other safety-related equipment)

What Doesn’t Custom Parts, Equipment, And Gear Insurance Cover
Custom parts, equipment, and gear insurance typically doesn’t cover:

• wear and tear
• non-approved or illegal customizations

Cost Of Custom Parts, Equipment, And Gear Insurance
The cost of custom parts, equipment, and gear insurance can vary, but it’s mostly influenced by the make and model of your motorcycle, the types of customizations, and the value of the customizations.

How To Choose Custom Parts, Equipment, And Gear Coverage Limits
You should carefully assess the value of the customizations and work that you’ve done 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.