At Wilcoxon Insurance Inc. in Sioux Falls, SD, we work with riders who have put serious time and money into building their dream bikes. Custom motorcycles are a point of pride, and protecting that investment matters. What a lot of riders do not realize is that a standard motorcycle policy may not automatically cover those upgrades the way they expect.
Standard Policies and Their Limits on Custom Parts
Most base motorcycle insurance policies are built around the factory value of your bike. Aftermarket parts and accessories you add along the way, like custom exhaust systems, chrome parts, and performance upgrades, often fall outside of that standard coverage. That gap can leave you in a very difficult spot after a theft or an accident.
Custom Parts and Equipment Coverage
Many carriers offer an add-on called custom parts and equipment coverage. This type of protection is designed to cover the upgrades you have made beyond the original factory build. You can set a coverage limit that reflects the true value of your customized ride, which is especially important when those additions are worth thousands of dollars.
Keeping Your Coverage Current
Riders tend to add parts over time and sometimes forget to update their policy along the way. Each time you make a meaningful upgrade to your bike, it is worth revisiting your coverage to make sure those new additions are actually protected.
Reach Out to Get Answers to Your Specific Questions
Your custom bike deserves a policy that keeps pace with the work you have put into it. At Wilcoxon Insurance Inc. in Sioux Falls, SD, we are ready to help you find the right coverage for your ride. Give us a call today.
