What Is Accessory Coverage?

Simply modifying your motorbike can be one of the greatest experiences and can help you enjoy your time on the road even more. It allows you to create a custom look and feel for your ride, improving its performance and enhancing its capabilities.
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While modifications can be a great way to make your bike truly yours, they can also come with some risks. If you're going to modify your bike, you must understand how this will affect your motorcycle insurance coverage—and how you may need to supplement it.

Definition of accessory coverage
Accessory coverage, also called Custom Parts and Equipment (CPE) coverage, is a type of insurance coverage that protects any modifications you make to your motorcycle. More technically speaking, the coverage includes any enhancement, accessory, or other equipment that changes the appearance or performance of the motorcycle.

CPE coverage can help keep riders safe from financial losses if their custom parts are stolen or damaged in an accident, natural disaster, or other covered incident. CPE coverage may be purchased as a stand-alone policy or add-on to your existing motorcycle policy.

What is a motorcycle accessory?
A motorcycle accessory is any aftermarket part or product installed on or in a motorcycle to enhance comfort, performance, or style. These products can range from customization options like exhausts, rims, specialized headlights, crash bars or practical enhancements such as integrated audio systems and communication devices.

Parts of your motorcycle that are typically covered:

• Saddlebag
• Exhausts
• Crash bars
• Tires
• Rims
• Custom paint jobs
• Speedometer
• Lightbars and specialized headlights
• Lock and security system
• Kickstand
• Calipers
• Mirrors
• Seats
• Sissy bar
• Forks
• Custom chrome

Motorcycle Coverage Basics
The following are the various coverage under the accessory coverage:
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Motorcycle Collision Insurance
Covers damage to your bike if you are in a collision with another vehicle.

Bodily Injury and Property Damage Liability
If you are the liable party in an accident while driving a motorcycle, this policy may cover injuries to other individuals and damage to their vehicles. It also pays for legal expenses if the injured parties sue you due to the accident.

Comprehensive Coverage
Damages caused by events other than a collision are covered under comprehensive coverage. It may cover losses due to fire, theft, or vandalism.

Conclusion
Now that you have a firm grasp, you can decide if motorcycle coverage is worth investing in. After reviewing your options, you'll make the best decision for your situation.

At Best Insurance Group, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (970) 674-5000 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.