Does Motorcycle Insurance Cover Accessories?

There are many different types of motorcycles. From high-performance bikes to vintage bikes, regardless of the type that you have invested in, you will want to make sure you invest in the right type of insurance coverage too. In addition to protecting your bike with insurance coverage, you may be wondering if it is possible to protect your motorcycle accessories. Let’s take a quick look at the answer to this question.

Can my motorcycle accessories be covered by motorcycle insurance?

Yes, the accessories that you have added to your motorcycle can be protected with insurance coverage. However, you will need to let your insurance agent know that you have added these accessories to your bike and that you want to make sure they are protected under your insurance policy. There is a good chance that your insurance coverage will increase as a result, but it probably won’t be by much. Your standard policy likely does not provide accessory coverage, but for a small increase in your monthly premium, accessory coverage can be added. Do remember, though, that the more expensive the accessories, the bigger the increase in your monthly premium rate will likely be.

What are the different types of accessories that are covered?

The exact accessories that will be covered under your policy will depend on the exact policy that you invest in. Most times, however, you can have anything from sidecars to custom paint jobs insured under an accessory policy. You will want to speak with your insurance agent to let them know the accessories you have added the value that you want to insure them at.

To learn more about accessory motorcycle insurance coverage, please contact Kevin Dennis Insurance Agency serving the Mishawaka, IN area.