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Purchasing motorcycle insurance is a bit more complex than buying traditional auto insurance.

Bikes are much more customized. This leads them to carry unique and, in some cases, difficult-to-find parts. The good news is your motorcycle insurance will provide exceptional coverage if you choose the right policy. There are a few key things to keep in mind to make this possible.

What Type of Insurance Do You Have?

Your first step should be to choose a motorcycle plan that provides you with the protection you need. For parts coverage, start with a plan that offers comprehensive coverage. Like with auto insurance, this type of plan protects from damage to your bike from common perils. Perils may include fires, theft, vandalism and storm damage. Collision insurance can also provide this type of coverage.

Next, consider the amount of coverage you have. Your policy will provide coverage up to the amount of your limit. This limit for parts will range widely from one policy to the next.

When an Accident Occurs, Here’s What You Can Expect

If you have taken the time to select the best motorcycle insurance plan for your needs, you’ll be able to count on the company providing Original Equipment Manufacturer or OEM parts. However, if your plan does not specifically state this, it may not provide that coverage. Make sure you include OEM parts in your insurance policy. That way, the impact of accidents on your bike's value will likely be much smaller.

On the other hand, if you have custom parts on your bike, be sure to read the terms of your policy carefully here as well. You’ll want to ensure the motorcycle insurance will replace custom parts with the same new parts. Again, not doing so can impact the quality of performance the value of your motorcycle.

It is important to look at the terms of your insurance plan before making a purchase. Some companies offer lower rates but may not provide OEM parts to you. That could make a difference for many bike owners who need to ensure the proper parts are in place to maintain the value of the bike. If you do not mind aftermarket parts, this may be one of the ways you can reduce the cost of your policy in the long term. Either way, you need to know what coverage you have.

We have Oklahoma motorcycle coverage for you. The Beckman Company can help you get a fast, free quote that meets your needs. Call us at (405) 842-2337 for more information.

Posted 11:19 AM  View Comments

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