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.

Does Your Motorcycle Insurer Care if You Wear a Helmet?

In Mesa, AZ, state law dictates that you must wear a helmet if you are under eighteen years of age. This means that legal adults are not obligated to wear them. Now, we don’t need to tell you that wearing a helmet is the wiser choice. It will save your life one day. But suppose that, for one reason or another, you’re riding without a helmet and you get into an accident. Would this invalidate your motorcycle insurance claim?

Your Insurer Will Probably Honor Your Claim, But…

What it really comes down to is whether you’re breaking any laws. Since you’re not required to wear a helmet in Arizona by law, your insurance provider won’t require that you wear one, either.

But, the fact that you were not wearing a helmet at the time of the incident may result in a lower payout than you might have received had you been wearing one. Insurance payouts aren’t always a yes-or-no equation, and if your provider feels that you’ve been lax in your approach to safety, they might not be willing to accept full responsibility for your injuries.

So, the short answer is that if you call on Freedom Insurance Agency following a helmetless motorcycle accident in Mesa, AZ, we’ll cover your bike, we’ll cover liability costs and anything else you’re signed up for. But we might draw the line at head injuries sustained without a helmet.

Give Us A Call

Our advice is to wear your helmet at all times, even if you think it’s going to be a short trip. If you call Freedom Insurance Agency for a policy today, you can be sure we’ll have your back, but you’ve got to take measures to protect yourself, too.