Custom Motorcycle Insurance

Are you a fan of Orange County Choppers: the Series? If so; you may have also had a custom motorcycle made recently. Now you have to purchase insurance; not just any insurance, but custom motorcycle insurance to protect your investment. Lets take a look at some of the information you may need to purchase the most affordable motorcycle insurance for your custom made bike.

If you are having a problem finding custom motorcycle insurance, you may want to check out Fischer Specialty. They offer a quote in three to four minutes. Quick enough?

Well, lets see. Here is the information they will require: the usual personal information; name; rank; and serial number; violations within the last three years; at-fault accidents within the last three years; year of bike; made and model; CC's or CI; Trike conversion yes or no; coverage requested including: liability bodily injury; liability property damage; guest passenger liability; uninsured and underinsured motorist coverage; medical payments; comprehensive and collision deductible; annual mileage; is vehicle altered or reconstructed; total value of additional equipment; total value of non-factory additional equipment; is the bike garaged; and finally; if you belong to an association or group; have taken any safety courses in the past five years; do you own a home; do you have an alarm; how long have you owned the bike; prior insurance and how long; own any other vehicles. Lots of questions, right?

You will find most custom motorcycle insurance companies ask the same questions. This is to determine the rates; if you can be afforded any discounts; and your status as a driver/rider. Obtaining affordable motorcycle insurance rests on the experience you have had as a motorcyclist; and how much money has gone into making this custom motorcycle. You certainly want protection all around, especially since you have spent a great deal of money on the bike.

According to one biker, "An important option that many affordable insurance companies provided when looking to cover a Harley Davidson or other brand road bike was accessory coverage. Some of the first things that happen to any Harley Davidson style bike is customizing. Now we were dumping in even more money which made affordable motorcycle insurance a must. So when getting a Harley insurance quote it was found that newly added chrome, upgrade parts, and accessories could be insured. It was an option from companies with even the cheapest motorcycle insurance policy. It was interesting on how custom motorcycles were insured. Whether a bike started as a stock Harley Davidson and has been significantly customized or a custom motorcycle built from the ground up, there are insurance companies that have an agreed upon value coverage option." Source: www.bikersfoundation.com

As you can see, acquiring custom motorcycle insurance either for a Harley or for another type of custom made bike, affordable motorcycle insurance has to be given the highest priority since so much is being expended for the customization of the motorcycle.