Motorcycle riders often add accessories to make their bikes safer, more comfortable, or more customized to their preferences. When something goes wrong, the question becomes whether those accessories are protected under a standard motorcycle insurance policy through Anchor Insurance Agency LLP, serving Plymouth, MN. The answer depends on how the bike is insured and how much coverage the rider selected at the start of the policy.
Core Parts Coverage
Most basic motorcycle insurance policies focus on the core parts of the bike. That usually includes the frame, engine, wheels, and factory-installed components. Accessories, however, fall into a different category. Items such as custom seats, upgraded exhaust systems, backrests, saddlebags, aftermarket lights, and added electronics are often considered enhancements rather than essential parts. Because of that distinction, they may not be included automatically.
Optional Accessories
Many Minnesota riders choose to add optional accessory coverage so custom parts are protected if they’re damaged in a covered accident. This coverage is typically offered as an add-on and can be adjusted based on the value of the upgrades. It usually applies to both factory-installed options and aftermarket equipment, as long as the rider lists or documents what has been added. Without this extra coverage, the insurance company may only pay a small default amount, which often doesn’t come close to the full value of the accessories.
Claiming Damage
It’s also important to understand how claims work. If the bike is damaged in a collision or other covered event, the insurer will evaluate the accessories separately from the main structure of the motorcycle. Riders who have kept receipts or photos of their upgrades generally have an easier time getting accurate compensation.
Minnesota riders who have invested in custom parts should review their policies and confirm that the amount of accessory coverage aligns with what they’ve added. A quick conversation with a local agent at Anchor Insurance Agency LLP, serving Plymouth, MN, can help make sure everything is protected before the riding season begins.