Biking is exciting! Every serious rider in San Antonio, TX, knows the thrill of outfitting a bike with custom pipes, upgraded seats, or new electronics. For many, that gear isn’t just an accessory; it’s part of their identity on the road. However, what many riders don’t realize is that standard motorcycle policies usually don’t cover those upgrades. If you assume they do, you could face an expensive surprise when filing a claim.
Why Standard Policies Stop Short
Most policies are designed with the factory version of your bike in mind. The moment you add custom paint, new saddlebags, or advanced electronics, you change the bike’s value. If your insurance doesn’t account for those upgrades, the policy won’t cover them in the event of damage or theft. Your coverage protects the stock bike, not the one sitting in your garage. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we’ve seen riders lose out because they didn’t realize their bike’s value was no longer fully covered.
What Custom Gear Riders Need to Know
If you’ve modified your motorcycle, it’s important to ask specific questions:
- Does my policy cover aftermarket parts?
- What upgrade coverage is available?
- How are custom paint jobs or electronics valued during a claim?
- Will storage or seasonal use affect coverage for my upgrades?
The answers to these questions determine how and if your policy protects your investment. The good news is that fixing these gaps isn’t complicated. You just need the right additions to your coverage.
Protecting More Than Just the Basics
Your motorcycle is more than just transportation. For many riders, it’s a passion, a reflection of their personal style, and a major investment. Leaving your custom additions uncovered is like locking your front door but leaving the windows open. At AlphaSure Affordable Insurance Services, we help you understand and close those gaps so your bike is protected as it looks today, not just as it rolled off the showroom floor.
If you’ve made upgrades and aren’t sure they fit within your current policy, give us a call. We’ll go through your coverage with you and ensure your bike is fully protected.