What type of coverage does standard motorcycle insurance typically exclude?

Standard motorcycle insurance often excludes coverage for theft of accessories. This is important to understand because while the policy may provide protection for the motorcycle itself and certain standard components, additional items like aftermarket parts or accessories added to the motorcycle may not be included.

Motorcycle insurance typically aims to cover the primary vehicle against damages, liability claims, and sometimes medical expenses; however, accessories, such as custom seats, upgraded exhaust systems, or additional storage compartments, often fall outside the scope of standard coverage unless specifically included in the policy or as part of a rider. As a result, it is vital for motorcycle owners to review their policy and consider additional coverage options to safeguard their accessories if they invest heavily in customizing their bikes.