How upgrades affect motorcycle insurance

Aftermarket parts and performance upgrades can change your coverage needs and your premium. Here is what to know.

By the InsuranU team Updated July 20263 min read

Modifying your motorcycle changes its value and sometimes its risk profile, and your insurer needs to know either way.

Upgrades that can raise your premium

Unreported modifications can mean a claim is only partially paid, since your insurer priced the policy on the bike's original specs.

Standard policies often will not cover custom parts at full value. A gear and accessory endorsement can close that gap.

Compare matched options in a few minutes. It is free and there is no obligation.

More from the motorcycle insurance checklist.

Protecting the gear that isn't attached to the bike.

A yearly check to keep coverage accurate.

See the real ranges, with a live estimator.

Do I have to report every upgrade?

Report anything that meaningfully changes the bike's value or performance.

Will reporting an upgrade always raise my premium?

Not always, but it keeps your coverage accurate either way.

Tell us about your motorcycle and your life. We will match you with quotes built around U.