Custom motorcycles require more than a standard motorcycle insurance policy. Metro One Insurance Agency understands the unique needs of Oklahoma riders and is here to help you secure coverage that matches your bike’s individuality.

Why Custom Motorcycle Insurance Matters

Custom bikes often feature specialized parts, custom paint jobs and performance upgrades that can significantly increase their value. Standard motorcycle insurance policies may not fully account for these enhancements, leaving coverage gaps if you ever need to file a claim. That’s why tailored coverage is essential for many custom bike owners.

Key Features of Motorcycle Insurance

Metro One Insurance Agency can help you tailor your motorcycle insurance. Our agents may recommend the following components:

• Agreed value coverage for establishing a predetermined payout amount based on your motorcycle’s documented value, including custom upgrades and modifications, in the event of a total loss

• Parts and accessories coverage for aftermarket parts, custom paint, chrome and other modifications

• Comprehensive coverage for damage due to non-collision events like fire and vandalism

• Collision coverage for damage to your custom bike after a crash

• Liability coverage for third-party bodily injuries or property damage you cause in an accident

• Uninsured/underinsured motorist coverage for when you’re involved in an accident caused by an at-fault driver who lacks liability insurance

Documenting Your Custom Build

Thorough documentation can make a significant difference when insuring a custom motorcycle. Keep organized copies of receipts for parts, accessories and labor to verify upgrade costs. Take clear, dated photos of your bike from multiple angles, highlighting custom paint, engine work and specialty components.

Consider obtaining a professional appraisal to establish an accurate value, especially for high-end builds. After completing major modifications, notify your agent so they can help adjust your policy to reflect your motorcycle's current value and features.

Get Covered Today

Metro One Insurance Agency can help you assess your bike’s value, review available coverage options and find a suitable policy. Contact us today to schedule a consultation or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.