If you have put real money into your bike, make sure the policy knows about it.
Motorcycle · Updated October 2026
A motorcycle policy values the bike largely as it came from the factory. Aftermarket additions, such as exhaust systems, custom paint, chrome, saddlebags, seats, lighting, audio and performance parts, are usually covered only up to a custom parts and equipment limit. On some policies that limit is modest unless you raise it.
Riders are often surprised how fast upgrades add up, especially on cruisers and touring bikes.
Good records make a claim faster and more complete.
Helmets, jackets, gloves, boots and armor are expensive and are often damaged in a crash. Some motorcycle policies include coverage for safety gear damaged in a covered accident, sometimes with a limit. Ask what yours includes.
Each time you add a significant part, call us. Raising the limit usually costs little compared with the value it protects.
If a heavily customized bike is totaled, the payout is the bike's value plus covered custom parts up to your limit. If your limit is too low, the rest of your investment is gone. Some riders with significant customization ask about agreed value coverage, where available, which sets the bike's value in advance.
Trike conversions and sidecars can change how a motorcycle is valued and rated. Tell us about any conversion so it's described correctly and the added value is covered.
Alarms, immobilizers and GPS trackers may lower your premium with some companies and improve the chance of recovery after theft. Mention them when you get a quote.
Keep a running list: date, part, cost, installer, and a photo. Store it in the cloud. When it's time to adjust your limit, or file a claim, the information is ready.
Usually up to a custom parts and equipment limit. Raise it to match your upgrades.
Some policies cover riding gear damaged in a covered accident, sometimes with a limit.
Keep receipts and photos, updated after each upgrade.
An option on some policies that replaces a newer bike with a new one instead of paying depreciated value.
Questions about your own situation? Call 417.206.3733 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma, and you can buy by phone without coming in.
Or send your details and an agent will call you back with options from the companies we work with.