Custom motorcycle insurance is a must if you have a custom chopper.
Do you have a one of a kind? Are you prepared should it get damaged an accident or, possibly stolen? Insuring a custom motorcycle is a lot harder than insuring a regular motorcycle.
If you have a custom ride, you can't afford not to read this.
First of all, not all insurance carriers will insure a custom bike.
This is true because there is often no blue book value for the company to base the value on.
Each ride is either built by hand, piece by expensive piece, or it comes from a kit.
There are often many add-ons and hard-to-find pieces that are very had to value.
When you start toying with these types of additions to your bike, it also makes them harder to register.
And, you guessed it, if they are harder to register they are much harder to insurance.
Before you even being to try to shop for custom motorcycle insurance, do yourself a favor and get your own independent appraisal.
A lot of states require that motorcycles be inspected by the department of transportation.
If the inspector doesn't see how unique your bike is, they may de-value the bike and make it harder for you to obtain insurance to cover the real value.
Probably the biggest reason that it is hard to insurance a custom ride is extremely high replacement cost.
Most insurance company just would rather not insure you than pay the high replacement prices.
You have to look at it from an insurance company's point of view.
They consider a custom ride a very risky investment.
There are ways, however, to combat the crisis.
Some insurance companies may offer only a partial policy to cover things like liability for damage caused to others or physical or bodily injuries caused to the riders.
Remember if your chopper is financed, though, you will be required by your lender to carry full coverage insurance.