In the competitive motorcycle insurance industry, insurance companies are developing more comprehensive insurance packages in order to attract new customers and provide an added value to their current customers.

Many insurance companies have recently changed the policy coverage that offer to prospective consumers to include coverage for special equipment and even apparel coverage. Some of these insurance companies have actually automatically included coverage for special equipment for all policies that have physical damage protection.

Motorcycle owners continue to personalize and customize their motorcycles at a rate significantly higher than owner of automobiles. This added coverage can offer a better level of protection to the owners of these motorcycles so that in the event of a loss they will have adequate coverage to reimburse them for the actual monetary damages that are sustained in a loss.

Consumers should refer to their motorcycle insurance policy or speak with their insurance agent to ensure that they have special equipment coverage. This can often be purchased with a minimal increase in premium and is available with most motorcycle insurance companies.

Additionally, it is recommended that consumers retain copies and photos of all special equipment that is on their motorcycle. This will help to ensure a smooth claim process so that there is no dispute of the equipment and value of the equipment that is on the motorcycle at the time of the loss.

Keep in mind that at the time of a loss insurance policies will only pay up to the coverage that is stated on the policy.