When you are purchasing motorcycle insurance, it is important that you understand what is and is not covered by the policy. One of the questions that we at Keltner Insurance, serving the greater Memphis, TN area, are often asked is whether motorcycle insurance covers any motorcycle accessories.
As a general rule of thumb, motorcycle insurance does not cover any motorcycle accessories. The policy typically only covers factory issued items that come with your motorcycle. If you add any new tires or rims, saddlebags or accessories, like stem covers, these are not covered by your regular motorcycle insurance policy. However, this does not mean that there is not a way to protect or cover them.
If you have accessories on your motorcycle that are pricey, you may want to consider an add-on policy that covers motorcycle accessories. Accessory add-on policies allow you to cover any accessories that you add on to your motorcycle, as long as you include them in the policy. When you take out the policy, you will be asked to include a list of add-on accessories you have that you wish to cover. You will then need to update the list as you make changes to your bike. This is the best way to ensure that all of your add-ons and accessories are covered in the event of theft or an accident.
If you are looking to purchase a new motorcycle insurance policy or are looking to purchase an add-on policy to cover your motorcycle accessories in the Memphis, TN area, Keltner Insurance can help you. Contact us today to schedule an appointment to sit down and discuss your insurance needs and let us find you the coverages you need to fully protect your motorcycle and accessories.