Custom modifications help make your bike your own. Sometimes, it means a unique paint job. Other times, maybe it means a special seat or a stronger engine. It can even be a change in handlebars. However, all of these modifications can make a difference in the kind of insurance you need in Cliffton Park, NY, and at Doug Neil Insurance Agency, we’re happy to help you figure out what that means.
Understanding Different Types of Custom Modifications
When it comes to custom modifications, there are a few types:
- Aesthetic modifications – paint jobs, seat customization, lighting upgrades
- Performance modifications – engine upgrades, changes to exhaust systems, suspension improvements, brake improvements
- Functional modifications – Saddlebags, storage solutions, windshield alterations, comfort and ergonomic changes
Insurance Coverage for Custom Bike Modifications
Having a bike is a responsibility, and if you make changes, you need to make sure you have everything covered. Standard coverage has limits on custom parts, and not all modifications may qualify for coverage under a standard policy.
You can choose to look for custom parts and equipment (CPE) coverage instead. This can include coverage for accessories like:
- Sidecars
- Safety guards
- Crash/Roll bars
- Custom paint jobs
Ensuring Your Insurance is Adequate for Your Custom Bike
Custom modifications can increase your bike’s overall value. Consider that when calculating the cost of replacing those custom parts.
It would be best to consider risk factors like the possibility of theft. The fancier your bike looks, the more it will potentially attract unwanted attention. To be sure about what kind of coverage you need, you also need to:
- Keep track of receipts and records for your modifications
- Update photographs after every upgrade
- Inform your insurance company about modifications
- Review your policy every year so you don’t miss anything
Next Steps for Your Bike Insurance
If you’re interested in bike insurance in or around the Cliffton Park, NY, area, contact us at Doug Neil Insurance Agency. We would be happy to answer any questions you might have and ensure your safety when you’re out on the road.
