custom bike and insurance ?
custom bike and insurance ?
I am almost done with my deluxe,went from a stocker to a custom,,in the hotrod world i have to show proof of the money and time in a car for insurance,,what do you guys do in the bike world?,god forbid something happens to my bike i dont want the insurance company to hand me a check for a stock bike,,,
Stellar HDF Member
Joined: Feb 2011
Posts: 3,048
Likes: 3
From: Central Jersey
Just asking, how is it a Custom? Did you modify the frame? I may be wrong, but I was under the impression that unless you modify the frame in some way, the VIN number is always going to be an HD number, which is what the insurance company is going to look at..
If you're trying to get all your custom parts insured, then let the insurance company know the estimated value of the accessories you've added. At least, that's what Rider Insurance does up here in Jersey, but idk about Florida.
If you're trying to get all your custom parts insured, then let the insurance company know the estimated value of the accessories you've added. At least, that's what Rider Insurance does up here in Jersey, but idk about Florida.
Stellar HDF Member
Joined: May 2010
Posts: 3,453
Likes: 249
I don't know about the States but in the U.K you can get Harley insurance which is like for like,you get a form which the dealer fills in, with the value of the bike plus the value of the extras you've put on the it, you send that up with the rest of your renewal paperwork including 2 pics of the bike as proof, if the bike is stolen, wrecked what ever, you get the full amount thats stated on the dealers paperwork.
Road Warrior
Joined: Feb 2007
Posts: 1,700
Likes: 7
From: Buffalo
Prost: If you've raked the frame, technically that will get your insurance cancelled. If you've just put a ton of money into your bike with custom parts, etc, you are fine. On your current policy there's an endorsement for extra coverage for accessories. Call your agent and review what you've done. I'd also bring the bike in for photo's and give your agent a copy of all your receipts. Having the bike appraised is also a good idea. Better safe than sorry.
How about some pics??
How about some pics??
Banned
Joined: Feb 2009
Posts: 3,500
Likes: 1
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I was told i could add 7000 dollars and it was only about 100 dollars a year more but once i went over that they were looking for $800.00 more
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Stellar HDF Member
Joined: Aug 2011
Posts: 3,158
Likes: 68
From: Martinsburg, WV
I bet most companies won't. I know with progressive when I was getting a quote for the new bike, they allow up to a certain dollar amount on the policy and then you can adjust for a higher dollar amount based on what you have on there. They never asked what was on there tough. Maybe I'll insure it for $50,000 in accessories and have it "stolen". 
Road Captain
Joined: Jul 2010
Posts: 519
Likes: 1
From: NY
I am in the insurance industry for 22+ years. I am also in the process of putting together a proprietary insurance program for bikers like me who have a lot of cash and time into their bikes. It is called an Agreed Value endorsement and the policy should be avail shortly. Once it is I will post here for all to enjoy.
Last edited by inaroush; Oct 17, 2011 at 06:55 PM.