When shopping for motorcycle insurance in Clarkston, MI, most standard policies base premiums on your bike’s factory configuration. If you customize your motorcycle, you may not receive the full value needed to repair it after an accident. The Ryan Insurance Agency can help ensure you have protection that accurately reflects the value of your customized bike.

Standard Policies Only Cover OEM Parts

When manufacturers build motorcycles, each model includes original equipment manufacturer (OEM) parts. Any additions or upgrades made after purchase are considered customizations. While these changes do not necessarily increase your risk of an accident, they do increase the cost of repairs and the overall value of your motorcycle.

Cosmetic and aesthetic upgrades are the most common types of customizations. These may include:

• Special paint and decals
• Chrome or plated parts
• Custom seats and wheels
• LED lighting

Many riders forget that functional add-ons also count as customizations. Saddlebags, luggage cases, fairings, windshields, built-in GPS units, communication systems, and security systems all fall into this category.

Proceed With Caution

Performance enhancements may increase your risk profile and typically require additional coverage. These upgrades can include high-performance exhaust systems, power commanders, upgraded air intake systems, and suspension modifications.

If you modify your motorcycle’s frame without notifying your insurance carrier, you may unintentionally void your policy. Structural changes, such as extended forks or frames, rake and trail adjustments, sidecars, and trike conversions, alter your bike’s geometry. These types of modifications usually require specialized coverage.

Most standard policies include a small amount of accessory coverage, often up to $3,000. Review your policy carefully to understand what is covered.

If you are unsure whether your modifications are included in your current policy, The Ryan Insurance Agency can help you secure the right motorcycle insurance coverage. Contact our Clarkston, MI, office for assistance.