Rick Thought He Was Fully Insured... Lack Of A Separate Endorsement Proved Otherwise.
Most Motorcycle Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Ride-On Rick's Custom Parts Gap*
Rick poured $20,000 and ten years into customizing his Harley-Davidson. When the bike was stolen, he believed his “Full Coverage” policy would cover his investment. The insurer paid $22,000 for the stock model but only $3,000 maximum for all his custom parts. Rick's $17,000 loss resulted from the Custom Parts and Equipment (CPE) sub-limit that he never endorsed.
Potential Denial (The Gap):
Custom bikes are never paid their true value unless separately endorsed and declared, risking catastrophic loss for the owner.
Risk Identified by My Policy Advocate:
Custom Parts Sub-Limit.
Policy Language:
“We will pay no more than $3,000 for loss to custom parts, equipment, devices, or accessories… not original equipment.”
Discovery by Clara, our Ai Assistant:
Clara highlights the need to explicitly endorse custom equipment over a low default sub-limit (like $3,000) to protect the full investment.
Questions to Ask Your Agent:
- I have added over $20,000 in custom equipment—how can I raise my policy’s limit and document the real value?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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