Longmeadow Bikers: Does Your Motorcycle Insurance Cover Custom Work?

Jul 13, 2016 12:43:52 PM

Many bikers like to trick out their motorcycles with aftermarket parts and accessories. In some cases, custom add-ons can cost nearly as much as a bike itself. If you own a motorcycle in Longmeadow, Massachusetts that has lots of aftermarket alterations, make sure your motorcycle insurance policy covers all your custom parts and accessories. If it doesn’t and something happens to your motorcycle, you might not be able to afford to replace it.

Motorcycle Insurance Longmeadow

Does Your Longmeadow Motorcycle Insurance Cover Your Custom Parts and Accessories?

Many Motorcycle Insurance Policies Don’t Cover Aftermarket Parts and Accessories

Many motorcycle insurance policies offered by insurers in Longmeadow don’t automatically provide coverage for aftermarket parts and accessories. Some policies provide coverage for safety equipment, like helmets, free of charge, but standard policies don’t typically extend coverage to custom bags, seats, mirrors, handles and other parts. Since parts and accessories like these can cost a lot, insurers usually can’t afford to cover them for free.

Coverage for Customizations May Increase Your Premiums

Although coverage for such custom parts typically isn’t included for free in standard policies, it’s usually available as an add-on. Insurance companies know that bikers like to customize their motorcycles, and insurers are often happy to provide coverage for aftermarket changes (provided they don’t affect the safety of the motorcycle).

Adding coverage for custom parts and accessories onto a policy, however, will typically increase its premiums. Premiums are partly based on the value of the things being insured, and they increase when the value of the insured items increases. An insurance company can’t take on the additional risk of insuring more items without offsetting that risk by raising a policy’s rates slightly.

Even though your rates might go up when you add on coverage for custom parts and accessories, you will be better protected from financial harm. If you don’t and your motorcycle is damaged or stolen, you may not be able to afford to pay for all of the customizations on a new bike.

Contact a Longmeadow, MA Insurance Agent to Find Affordable Coverage

To find affordable coverage for your motorcycle’s custom parts and accessories, contact an independent insurance agent in Longmeadow, Massachusetts. Most insurers charge more for these coverages, but how much more they charge varies widely. An independent agent will be able to compare motorcycle insurance policies from many different insurers in the state and find you one that provides the coverage you need with the lowest premium increase possible. They can also help you adjust other coverages, if necessary, to keep your premiums as low as possible. In just a few minutes, an independent agent can look at lots of policies, adjust your coverages and sign you up for one a policy that has coverages you need and fits within your budget.

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This material is for informational purposes only.  All statements herein are subject to the provision, exclusions and conditions of the applicable policy.  For an actual description of all coverages, terms and conditions, refer to the insurance policy.

Edward J. Adamczyk

Written by Edward J. Adamczyk

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