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Accessory Coverage For Motorcycles
Accessory coverage for motorcycles―also known as Custom Parts and Equipment (CPE) coverage―covers equipment and accessories added to a motorcycle after it has left the factory floor. Examples of motorcycle accessories include, but are not limited to:
- Sidecars.
- Trike conversion kits.
- Antennas, audio devices, and various other electronic equipment.
- Motorcycle trailers, pulled behind the motorcycle.
- Custom paint, plating, and exhaust systems.
- Plow and mower blades.
- Safety apparel, such as helmets and leather.
Benefits of Purchasing Additional CPE
The majority of collision and comprehensive insurance policies include a certain amount of CPE, you might consider purchasing additional CPE for motorbikes with extensive accessories.
For example, if your standard motorcycle collision insurance policy provides $1,000 CPE coverage, but the cost of your accessories totals $5,000, purchasing an additional $4,000 in CPE coverage is advisable.
Additional Types of Motorcycle Insurance
In addition to accessory motorcycle insurance, other types of coverage available for motorcycles insurance policies:
- Collision insurance
- Comprehensive insurance
- Uninsured/Underinsured motorist coverage
- No fault coverage
- Personal Injury Protection (PIP) coverage
Collision coverage covers damages to your motorcycle caused by collisions with another object―be it another vehicle, mailbox, or various other stationary object―comprehensive motorcycle insurance covers the cost of damages due to vandalism, theft, and natural disasters such fire or flood.
On the other hand, no fault and PIP insurance covers you in the event of an accident in which no fault is determined, and uninsured or underinsured motorist insurance covers you in the event of an accident with an underinsured driver. For example, if you are involved in an accident that places you in the hospital for several days, totaling 100,000 in medical bills, your PIP or underinsured motorist insurance will cover any expense not covered by the other driver’s liability insurance policy.
Comparing Motorbike Insurance Rates
You can compare motorbike insurance rates online, or by contacting the Insurance Department in your state. You can also compare the different types of coverage online, in addition to potential discounts and other ways to lower your insurance premium.
In This Section
Other Topics in This Section
- Comprehensive Physical Damage Insurance For Motorcycles
Guide To Comprehensive Coverage And Physical Damage Insurance For Motorcycles. Get Online Info On Motorbike Insurance To Protect Your Bike If Involved In An Auto Accident.
- Collision Insurance For Motorcycles
Online Guide To Collision Insurance For Motorcycles. Learn What Kind Of Motorcycle Insurance Protects Your Bike If You Have An Accident. Buy Adequate Motorbike Insurance Before You Ride.
- Bodily Injury Liability Insurance For Motorcycles
Info On Bodily Injury Liability Insurance For Motorcycles. Determine What Type Of Motorcycle Insurance Covers Personal Injury. Learn More On Motorbike Insurance And Liability Coverage.
- Property Damage Liability Insurance For Motorcycles
Guide To Property Damage Liability Insurance For Motorcycles. Motorcycle Insurance And Liability Coverage Can Be Confusing. Use Our Site To Get Simplified Info On Motorbike Insurance.
- Medical Payments Insurance For Motorcycle Riders
Info On Medical Payments Insurance For Motorcycle Riders. Not All Motorcycle Insurance Policies Cover Medical Bills And Personal Injury From An Auto Accident. Get More On Motorbike Insurance.
- Personal Injury Protection Insurance For Motorcyclists
More On Personal Injury Protection Insurance For Motorcyclists. Get Info On Motorbike Insurance That Covers Injuries Sustained In An Accident. Learn More On PIP And Liability Insurance.
- Uninsured Motorist Coverage For Motorcyclists
Buy Uninsured Motorist Coverage For Motorcyclists To Protect Against An Uninsured Driver. Accidents Can Be Costly Without Adequate Motorcycle Insurance. Get Motorbike Insurance Info Online.
- Underinsured Motorist Coverage For Motorcyclists
Info On Underinsured Motorist Coverage For Motorcyclists. Buy Motorcycle Insurance To Cover An Accident With An Underinsured Driver. Learn More On Motorbike Insurance And Liability.
- Motorcycle Roadside Assistance
Find Out What Type Of Motorbike Insurance Covers Motorcycle Roadside Assistance. Some Motorcycle Insurance Policies Offer Emergency Road Service If You Break Down.
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