Does Motorcycle Insurance Cover My Motorcycle Accessories?

Eichelmann Insurance Agency, serving the greater Dallas, TX area, provides motorcycle insurance. As a motorcycle insurer, we are often asked about motorcycle accessories. Motorcyclists want to know if their accessories, including saddle bags, lifts and stands, covers and navigation devices, are covered by their motorcycle insurance if their bike is stolen or the accessories are damaged in an accident.

A standard motorcycle insurance policy will not cover any of the accessories that you have added to your bike or may have with you on your bike at the time of the accident. This includes accessories that have been installed and cannot be removed and removable accessories. However, this does not mean that these items cannot be covered.

Many companies that sell insurance coverage allow you to purchase a motorcycle accessory add on to your motorcycle insurance policy. This add-on covers loss or damage of these accessories either due to theft or accident. Typically, you must make a list of all of the accessories you have. If an item is not on the list, it will not be covered. Because of this, you have to continually update your add-on policy as your accessories change. There are a few add-on policies that simply cover your accessories up to a stated amount, but for the most part, the majority requires you to list each one to ensure it is covered under your policy.

If you are looking to purchase a new motorcycle policy, or simply need to add motorcycle accessory coverage to your existing one in the greater Dallas, TX area, visit Eichelmann Insurance Agency. Call us today for a free quote or set up an appointment to sit down with one of our agents to put a motorcycle insurance policy together for you.