Pleasanton, CA is a great place to ride a motorcycle almost year-round, as it almost never gets below freezing, winters are short, and summer isn’t unbearably hot. Making custom modifications to your motorcycle can make your riding time even more enjoyable by increasing comfort, boosting speed, and lengthening your motorcycle’s lifespan. Even so, it’s important to remember that making changes to your motorcycle can affect motorcycle coverage; in fact, you may need to switch over to modified motorcycle insurance to make sure your bike is fully covered.

How Does Modified Motorcycle Insurance Work?

Modified motorcycle insurance is customizable based on your specific situation. If you own an expensive motorcycle and have made significant modifications, you may want to purchase a policy that will pay out a set cash value if the motorbike is severely damaged or destroyed. Conversely, if you’ve added a few ready-made accessories, you can list these and ensure they’re covered along with other aspects of your motorcycle. Bear in mind that your insurer will likely ask who made the modifications, request pictures of the modifications, or even ask to see your motorcycle before offering a price quote. 

Find out More from Miao Insurance Services

Miao Insurance Services is always happy to help motorcycle owners in and around Pleasanton, CA, get the best possible motorcycle insurance coverage. If you’re thinking about making modifications to your motorcycle, contact us to find out how your planned modifications could impact insurance coverage and to find the best ways to get your newly-modified bike fully covered. If you’ve already made modifications, send us pictures and detailed information so we can start the process of helping you review your policy options to select the best one. 

Fresh paint, chrome, decals, and trim pieces may improve the overall value of your motorcycle. That’s why you should consider any cosmetic upgrades to your bike when purchasing your insurance policy.

Cosmetic Upgrades for Your Investment

Cosmetic upgrades increase the value of your investment. If you want to trade your motorcycle in or sell it in the future, it is in your best interest to insure cosmetic materials that have been used to improve your motorcycle.

Insuring the materials that were used for the upgrades will help if you need to repair or replace them due to damage, theft, or vandalism. 

Criminal Activity

Consider what would happen if you were the victim of criminal activity. If your bike were to be damaged or stolen, you would be responsible for repairing or replacing it. Ensuring that you have adequate motorcycle insurance will keep your out-of-pocket costs down.

Damage Due to Natural Disasters

Think about how a natural disaster such as high winds, fires, and rain could affect the condition of your motorcycle. Not having the right coverage could leave you responsible for fixing damage due to the elements.

Speak With an Agent for Personalized Advice

Consult with one of our Miao Insurance Services representatives. They’ll explain the types of motorcycle insurance that would benefit you. We’re currently serving Pleasanton, CA.