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How To Get Custom Motorcycle InsurancePreperation and Advice On Getting Custom Motorcycle Insurance... Your motorcycle was a huge monetary investment- and if you built it yourself, it was a huge time investment as well. There's probably no other custom choppers in the world resembling the one housed in your garage. Whether you own a custom chopper or a stock motorcycle, your street machine was made for you to enjoy- not someone else. Perhaps that pride is the best reason of all to protect your motorcycle by
storing it indoors in a locked garage or shed- or better yet, a protected garage
or shed with a security system. But sometimes, the unthinkable happens-
even when precautions were taken. Custom Motorcycle Insurance Part 1: Your one of a kind custom chopper gets damaged in an accident- or worst of all, it gets ripped off. Are you prepared for something like this to happen? You should be, whether you like it or not. That's where motorcycle insurance comes in. However, unlike car insurance and even typical motorcycle coverage, there is a lot more involved, and at stake when insuring a custom chopper. This article will tell you what to look for when shopping around. But first- you have to find companies that will insure your piece of work. Custom Motorcycle Insurance Part 2: Not all carriers will insure custom choppers because they are often lacking Blue Book values. This is mainly because these choppers are custom made by an individual, or built from a kit or by an unrecognized custom shop. Because of this, these custom bikes are harder to register, which in turn makes them harder to insure. Many states offerring motorcycle insurance will require bikes to be inspected
by their Department of Transportation, as well as others requiring owners of
the bikes to pass annual or semi-annual safety tests. Also, since some insurance
companies will fail to see the uniqueness of each custom chopper, getting
the bike appraised for its real value is also a smart idea. Another reason they are hard to insure is that there is most often a very high replacement cost involved. If they are lost or damaged, many insurance companies do not want to pay these high replacement prices. For example, a brand new high-end Harley could sell for about $20,000. A custom chopper can be twice that amount, retailing for about $40,000- or more depending on just how tricked out it is. For you- you are proud of the investment- but to an insurance company offerring motorcycle insurance, it could be a risky amount to insure... To combat this, many times carriers will only issue liability insurance, where
damage and injury to other drivers and riders will be covered. Others will however
offer the whole kitten caboodle- collision or comprehensive coverage. If you
are financing your chopper, you will most always have to have full motorcycle
insurance coverage, so finding a motorcycle insurance provider that offers this
is important. Perhaps you will want full-coverage anyway, so your entire prized
possession in covered- including theft. Custom Motorcycle Insurance Part 4: Related Articles:
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