How To Add Custom Motorcycle Parts To Your Insurance Policy

Riding your motorcycle is more than just a hobby; it's a passion. For many riders in Greenville, SC, customizing their bikes with unique and personalized parts is a way of expressing their individuality and enhancing their riding experience. However, when it comes to motorcycle insurance, it's essential to ensure that these custom parts are adequately covered. In this article, we'll guide you through the process of adding custom motorcycle parts to your insurance policy in Greenville, SC.

​1. Understand Your Current Coverage
The first step is to review your existing motorcycle insurance policy. Determine whether it includes coverage for custom parts and accessories. Standard motorcycle insurance typically covers the factory-installed parts, but coverage for custom parts often requires additional consideration.

2. Document Your Custom Parts
Create a detailed list of all the custom parts and accessories you've added to your motorcycle. Include descriptions, values, and receipts if possible. This documentation will be crucial when adding these items to your policy and in the event of a claim.

3. Contact Your Insurance Provider
Get in touch with your motorcycle insurance provider or agent to discuss adding coverage for your custom parts. They can guide you through the process and provide information on the specific coverage options available.

4. Types of Coverage
In Greenville, SC, insurance providers typically offer two types of coverage for custom motorcycle parts:

• Accessory Coverage: This covers custom parts and accessories, such as aftermarket exhaust systems, custom paint jobs, and upgraded seats. Accessory coverage usually has a limit, so make sure it aligns with the total value of your custom parts.
• Custom Parts and Equipment (CPE) Coverage: CPE coverage provides protection for permanently attached custom parts and equipment. This can include items like custom wheels, saddlebags, or fairings. CPE coverage may offer higher limits compared to accessory coverage.

5. Determine the Value of Coverage
Work with your insurance provider to determine the appropriate value of coverage for your custom parts. The value should reflect the total worth of your customizations. Keep in mind that you may need to periodically update this value if you continue to add or modify parts.

6. Review Policy Limits and Deductibles
Pay attention to the policy limits and deductibles associated with custom parts coverage. Ensure that the limits are sufficient to cover the full value of your customizations and that the deductible is manageable in case you need to file a claim.

7. Keep Documentation Updated
As you make further customizations or upgrades to your motorcycle in Greenville, SC, remember to update your documentation and inform your insurance provider. Keeping accurate records ensures that your policy remains up to date and your custom parts are adequately covered.

In Conclusion
Customizing your motorcycle in Greenville, SC, is an exciting way to make your ride truly yours. However, it's equally important to protect your investment with the right motorcycle insurance coverage. By following these steps and working closely with your insurance provider, you can ensure that your custom parts are adequately covered, providing you with peace of mind as you hit the open road. Your motorcycle insurance should reflect your passion for riding and your commitment to keeping your prized possession safe and secure.

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744. You can also request a free quote by CLICKING HERE.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​