Does motorcycle insurance cover custom parts and aftermarket equipment?

Yes, but usually only up to a limited amount unless you add extra coverage. Most motorcycle policies include a small built-in allowance for custom parts and aftermarket equipment, and you can raise that limit with a custom parts endorsement to fully protect your upgrades.

Custom parts and aftermarket equipment means anything you add to the bike beyond what the factory installed, such as custom paint, chrome accessories, upgraded exhaust, saddlebags, a custom seat, or performance parts. These additions can add thousands of dollars to your bike’s value, but a standard policy often caps coverage for them at a low figure, sometimes around $A list and photos of the upgrades and their costs make a claim easier to settle. A free coverage review confirms whether a custom parts limit matches the work added to a bike.,000 to $3,000.

If your customizations exceed that built-in limit, you can buy additional custom parts coverage that raises the cap to match what you have invested. This makes sure a covered loss pays to replace your upgrades, not just the base motorcycle. An endorsement is simply an add-on that changes your policy; you can read more on our endorsement page.

For example, suppose you have added $8,000 in custom paint, chrome, and exhaust to your motorcycle, and it is stolen from your garage near Marietta. If your policy only includes a $2,000 custom parts allowance, you would receive $2,000 toward those upgrades and absorb the other $6,000 yourself. With a custom parts endorsement set at $8,000, your policy would cover the full amount after your deductible.

A list and photos of the upgrades and their costs make a claim easier to settle. A free coverage review confirms whether a custom parts limit matches the work added to a bike.