Motorcycle equipment and accessories: can they be insured?

Beautiful equipment and the latest accessories to decorate and / or optimize your motorcycle is always very tempting. But can your insurance cover them in the event of a breakdown? Here are our answers.

Generally speaking, the standard equipment is included in the price of the motorcycle. Therefore, it is covered by the insurance and the main contract. At least if the chosen level of insurance is sufficient. On the other hand, if you retrospectively select equipment that was not supplied by your dealer at the time of purchase, as well as third-party equipment that is not listed on the purchase invoice for the motorcycle, it is important to consider the fact of its insurance or signal (for example, by email) to your to the insurer about your presence on your motorcycle. Contacting a consultant also allows you to review your warranties and update them if necessary.

Likewise, if the motorcycle you are buying is rich in valuable parts, but they were not original, it is advisable to seek advice. Let's just say that motorcycle equipment is quickly becoming more expensive, even if it's small parts. It is not safe from any fall, even when it is standing still, and even more from theft: we can "borrow" equipment from you, for example, when you park. In the event of theft, the insurer will rely on the market value of the motorcycle and not on its value when fully equipped with options installed after purchase.

Which motorcycle equipment should you insure?

These accessories can range from beautiful handlebar ends to guard cases, an exhaust system (tank or whole line), or fixed luggage (such as a valid and top box). Not forgetting aesthetics and comfort. Soap bubbles, deflectors, hand guards, engine covers, and other post-purchase additions are all items that add value to your property.

Items subject to all the whims of motorized two-wheelers ... Therefore, it is necessary to cover the equipment of your motorcycle, especially if the investment seems to you justified, always depending on the value of your motorcycle in the market. ... Very quickly, and even if in theory some accessories are not original and therefore could lead to a rejection of the motorcycle homologation, the bill will go up! Hence the interest in securing the equipment of the motorcycle by putting a tick in the required field in the contract.

How do I get compensation for my motorcycle equipment?

Two solutions. The easiest way is to save invoices for the purchase of equipment installed on the motorcycle. Archive, scan or photograph any invoice so you don't lose it or see it fade over time. Put it all in a folder. In the event of a claim, even with a discount based on the age of your equipment, you have all the necessary supporting documents to provide your insurance. Don't forget to take a picture of the equipped motorcycle, in case of theft it can still be used!

Another, more expensive solution: get the real value of your motorcycle from an expert. The right decision, especially if the amount of equipment is very large. Let's say more than a third or half of the motorcycle's assessed value.

Motorcycle equipment insurance: sometimes included, but not always.

Some insurance contracts offer original coverage for motorcycle equipment. Especially if it's an all-risk plan or a reinforced third party, check to see if all of your accessories are insured. In this case, pay attention to the maximum reimbursement amount and the amount of the deductible. Also find out about the amount of obsolescence recorded by the insurer and how it has changed over time.

You can also renew your equipment insurance for your two-wheeled bike. If you have additional storage space for your luggage, it may be helpful to insure it and insure its contents. Especially if you live in a big city and often park on the street. Indeed, there are a lot of burglaries. There's even a new way to cut your pockets: take your suitcases and trunk completely on board. In this case, we are no longer talking about a simple replacement of locks, this is all the equipment that needs to be replaced. An operation that cannot be more expensive. Check with your insurer to find out how your motorcycle equipment can be protected.