Does Motorcycle Insurance Cover Aftermarket Parts and Accessories?

When outfitting a motorcycle with aftermarket parts and accessories, it’s important to make sure those are insured. Here’s how motorcycle insurance commonly treats aftermarket upgrades and mods.

Standard Motorcycle Insurance Coverage

Standard motorcycle insurance policies usually cover the factory-standard parts of the motorcycle. These are the original components the bike came with when it was purchased.

Aftermarket parts and accessories — items added or changed after the original purchase — coverage isn’t always guaranteed under a standard policy.

Coverage for Aftermarket Parts and Accessories

That’s not to say coverage for aftermarket changes isn’t available. Many insurance companies offering coverage in Mesa, AZ offer coverage for aftermarket changes as an add-on or endorsement to a standard motorcycle insurance policy.

Illegal Changes Not Covered

Unsurprisingly, most changes that aren’t legal can’t be insured. If a mod makes a bike no longer street-legal, then it probably can’t be insured through motorcycle insurance. A different type of insurance (e.g. for dirt bikes) might be available.

Declaring Aftermarket Additions

With many policies, riders must notify their insurance company of aftermarket upgrades and mods that they want to be covered. Since there isn’t any one particular upgrade that’s always made, insurance companies need to know what particular additional parts are being insured.

If you ride in Mesa, AZ, we at Freedom Insurance Agency can help you notify an insurer of any aftermarket changes your bike might have.

Freedom Insurance Agency Is Here To Help

If you need help insuring a bike, including the stock bike and any modifications you’ve made, reach out to us at Freedom Insurance Agency in Mesa, AZ. We’ll help you get your bike and its upgrades fully protected.