When insuring a motorcycle around Meridian, ID, most riders focus on coverage for the bike itself, but accessories and custom parts can also represent a significant financial investment. From saddlebags and upgraded exhaust systems to custom paint jobs and safety gear, these enhancements often aren’t fully covered by a standard motorcycle insurance policy. Accessory coverage is essential to protect these valuable additions in the event of damage, theft, or an accident.

Understanding Accessory Coverage

Accessory coverage provides protection for non-standard parts and gear that are added to your motorcycle after purchase. This includes items like custom handlebars, aftermarket seats, windshields, chrome accessories, and even safety gear such as helmets and riding jackets. In many cases, the standard motorcycle insurance policy only covers factory-installed parts, leaving custom upgrades vulnerable. Accessory coverage allows you to repair or replace these items without significant out-of-pocket expenses.

The Importance of Accessory Coverage

Motorcycle accessories can be expensive, and replacing or repairing custom parts can quickly add up in the event of an accident. Without accessory coverage, you might only be reimbursed for the bike’s original parts, leaving you responsible for the full cost of restoring your motorcycle to its pre-accident condition. Additionally, items like saddlebags and gear can be damaged or stolen, and accessory coverage ensures you aren’t left without compensation. Riders who enjoy upgrading their bikes or rely on specific gear for long trips should consider this additional coverage. It not only provides peace of mind but also helps ensure that your bike—and everything that makes it unique—can be restored if something goes wrong.

Contact Idaho Select Insurance for More Information

Idaho Select Insurance is here to provide the best explanations for answering your insurance questions as we serve Meridian, ID and surrounding cities. Call today.