As any rider knows, no two motorcycles are exactly alike. Whether you’re cruising through town on a factory-standard bike or showcasing a fully customized chopper, your insurance should reflect your ride. At Berks County Insurance, serving the areas in and around the greater Reading, PA area, we often field questions from riders about the difference between standard and custom motorcycle insurance. Let’s delve into it.

Understanding Standard Motorcycle Insurance Coverage

Standard motorcycle insurance is designed for bikes that haven’t undergone significant modifications. It typically includes coverage for liability, collision, comprehensive, and possibly even roadside assistance. It’s a suitable option if your bike is stock and you’re not planning any major upgrades. This type of policy is straightforward and usually more affordable because the bike’s value is easy to determine.

The Role of Custom Motorcycle Insurance

If you’ve added custom paint, chrome upgrades, aftermarket exhausts, or rebuilt your bike from scratch, standard insurance may not cover its actual value. Custom motorcycle insurance considers these modifications. It ensures that if your bike is damaged or stolen, you’re not left footing the bill for all the extras you’ve added.

Securing the Right Protection for Your Bike

Your motorcycle is more than just a mode of transportation—it’s a passion project, a weekend getaway, or even a work of art. Whether it’s standard or custom, it deserves the right protection. The key is ensuring your policy accurately reflects your bike’s true worth.

Unsure which coverage suits your ride? Contact Berks County Insurance, proudly serving the community in and around Reading, PA. We’ll help you find the ideal policy so you can hit the road with confidence.