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While motorcycles may not have the capacity to carry large items, they typically offer enough storage space for small essentials, such as groceries. Some motorcyclists even modify their bikes with additional compartments to increase storage capacity.
But will insurance cover the contents stored on a motorcycle in the event of theft or an accident?
Alliance Insurance Partners in Scottsdale, AZ has the answers you need.
Understanding Your Motorcycle Insurance Policy
If you haven’t closely reviewed the details of your motorcycle insurance policy, now is the time to do so. Your policy may include carried contents coverage, as well as custom parts and equipment coverage. Some policies also offer enhanced injury protection coverage.
By reading the fine print, you can determine whether the items stored on your motorcycle are covered. In many cases, comprehensive coverage may include protection for lost or damaged contents. Comprehensive coverage typically covers incidents such as fire, theft, vandalism, acts of nature, and collisions with animals.
Additional Coverage for Your Belongings
If the unexpected happens and your motorcycle’s stored items are stolen or damaged, extra coverage can provide peace of mind. Additional coverage for personal belongings and carried contents may offer full replacement value.
This means that if your valuables are no longer on your bike after an errand or trip, you’ll be compensated for their value. Insurers often provide this type of coverage because motorcycles are relatively small, limiting the number of items that can be stored on them. As a result, the risk for both the policyholder and the insurer is minimized.
Contact Alliance Insurance Partners Today
Located in Scottsdale, AZ, we offer affordable insurance options with extensive coverage. If you’re considering motorcycle insurance, contact us at 602-427-4300 for a personalized quote.
