How Motorcycle Accessory Coverage Financially Protects Your Custom Upgrades

Standard motorcycle insurance policies often cover the manufacturer’s original parts and equipment, but they may not automatically include coverage for aftermarket or custom upgrades. Accessory coverage can help fill this gap, so you can avoid paying for costly repairs or parts replacement out of pocket.

What Does It Cover?

Motorcycle accessory coverage often applies when enhancements are damaged or lost due to covered incidents such as fire, theft, vandalism, collisions and weather-related events. This is often especially important if you’ve invested in:

• Custom paint jobs or graphics
• Upgraded exhaust systems
• Aftermarket handlebars or seats
• Enhanced lighting or audio systems
• Specialized wheels or tires

Coverage details and limits can vary by insurer and policy, so it’s essential to review your specific motorcycle insurance to understand which events are covered and whether your current limits are enough to financially protect your customizations.

How Does Motorcycle Accessory Coverage Work?

Motorcycle accessory coverage is usually added to your existing motorcycle insurance policy as an endorsement or optional coverage. If a covered event damages your custom upgrades, accessory coverage can help pay to repair or replace them, up to your selected limit. Similar to a standard motorcycle policy, you may need to pay your deductible before your coverage helps with the remaining costs.

If you add new accessories or significantly upgrade your motorcycle, you can work with your insurer to review and update your accessory coverage, so it continues to reflect the actual value of your customizations.

Factors That Affect Your Premium

Insurance rates typically depend on the following considerations:

• The value of your custom parts and equipment
• Your chosen coverage limits
• Your overall policy details (e.g., your deductibles and other endorsements)

We’re Here to Help

Our team at Iron Rock Insurance can help you secure coverage that matches your needs and lifestyle. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.