Accessory & Custom Parts Coverage Explained for Motorcycle Insurance

Many riders invest in custom parts and accessories to enhance performance, comfort or style. However, if you have aftermarket parts, it’s important to consider how your insurance covers these upgrades.

At Farrell Insurance Agency, we want to help you understand how accessory and custom parts coverage works, what it typically includes and why it’s essential for California riders.

What Is Accessory & Custom Parts Coverage?

Standard motorcycle insurance policies often offer limited coverage for aftermarket parts and accessories. Accessory and custom parts coverage is an add-on that helps insure the value of upgrades you’ve made to your bike.

A standard accessory and custom parts insurance policy may help pay to repair or replace:

• Custom wheels, handlebars and exhaust systems
• Upgraded audio or navigation systems
• Saddlebags, luggage racks and windshields
• Custom paint, decals or chrome work
• Security systems and other aftermarket enhancements

It’s important to note that coverage scopes and limits can vary. Many policies offer a base amount of accessory coverage, but you may need to purchase additional coverage if your customizations exceed that limit.

How Our Team Can Help Riders

At Farrell Insurance Agency, we work with California riders to tailor motorcycle insurance policies that fit their unique situations. We’ll help you review your current coverage, assess the value of your custom parts and find the right policy for your bike.

Contact us today to discuss your motorcycle insurance options.

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.