This coverage can help you replace the items you added to your insured vehcile which are not standard equipment by the vehicle's manufacturer. This coverage is paid on an actual cash value basis and helps you replace the items based on their value at the time of a loss, not necessarily the original purchase price.
For a motorcycle, these items can include (but are not limited to): fairings, windshield, luggage rack, sissy bar, custom paint, safety guards, highway pegs, crash/roll bar, custom seat, chrome light bars, radios and CBs. For an ATV/UTV, these can include (but are not limited to): wheels, upgraded suspension, winch, cargo bags, racks and brush guards.
Keep in mind, as you add additional accessories, you may want to consider calling us to increase your accessory coverage.
Please contact us at 1-800-236-2453 if you require accessory coverage in an amount greater than 50% of the vehicle's current market value.
*As with any insurance contract, your coverage may be subject to policy limitations and exclusions as described in the policy documents. If you would like more explanation or need assistance, please contact a Markel insurance specialist at 1-800-236-2453.