Does Motorcycle Insurance Cover Accessory Damage or Loss?

Motorcycle owners often form a strong bond with their bikes, similar to how car owners might name their cars and treat them like an extended member of the family. For motorcycle riders, investing a lot of time and money into customizing their bikes is quite common. Whether it’s adding saddlebags for storage, upgrading to a more comfortable seat, or installing a GPS system, these extras can add up quickly. Naturally, one question arises whether these accessories are covered by motorcycle insurance from Jim Boyce Insurance serving Matthews, NC. The answer truly depends on the type of coverage you have.

Adding Accessory Coverage

Many insurers offer optional "accessory coverage" or "custom parts and equipment coverage " to fully protect a bike owner’s motorcycle accessories. This coverage can be added to your policy to increase the protection limit for non-factory parts, including saddlebags, windshields, lighting kits, custom paint, or electronics. Coverage typically applies whether the loss is due to a crash, theft, vandalism, or other covered incident.

What to Know Before You Add Coverage

When considering accessory coverage, keeping an updated list of all non-standard parts installed on your motorcycle is helpful. Keeping receipts and photos, even if they include you or a friend enjoying the bike, can make the claim process easier if you ever need to file one.

Your motorcycle is more than just a mode of transportation—it reflects your personal style and interests. Accessory coverage gives you reassurance knowing that the time and money you’ve invested in customizations are protected. Talk to your insurance provider at Jim Boyce Insurance, serving Matthews, NC, to review your current policy and ensure your accessories are fully covered.