Custom Bikes, Classic Rides and Insurance: What Indiana Riders Should Know This Spring

The spring season is an ideal time for Indiana riders to revisit their insurance needs, especially if they own a custom or classic motorcycle. McBee Insurance Agency can help you find coverage that matches your bike and riding habits.

Why Specialized Insurance Matters for Custom and Classic Motorcycles

Custom and classic motorcycles may represent significant investments of time and money. Compared with standard bikes, they can include unique parts, modifications or historical value that standard motorcycle insurance policies may not fully cover. Owners of these vehicles may want to consider policies that include options such as:

• Agreed value coverage may insure your bike for an amount you and the insurer agree on, rather than its depreciated market value.
• Custom parts and equipment coverage may cover aftermarket modifications, custom paint and accessories that standard policies can exclude.
• Spare parts coverage may help pay for original equipment manufacturer, rare or hard-to-find parts often associated with vintage or custom bikes.

Although they may offer additional features, many classic motorcycle insurance policies may also have exclusions pertaining to regular use or annual mileage.

Motorcycle Insurance Requirements and Considerations

Indiana law requires all motorcycle owners to carry minimum liability insurance. However, these minimums may not be enough for custom or classic bikes. Additional coverage may address losses from theft, vandalism and damage from accidents or severe weather. These risks can become more prevalent in the spring, as many bikers return to the road amid potential weather conditions that could cause slick roads and fog.

When reviewing your policy, consider:

• The value of your bike, including modifications or restorations
• The cost to repair or replace rare parts
• Your riding habits and how you store your bike during the off-season

Spring Riding Tips for Motorcycle Owners

As you prepare your bike for spring, keep these tips in mind:

• Inspect your motorcycle before your first ride.
• Check tire pressure, brakes and fluid levels.
• Review your insurance policy to confirm it still matches your current needs.

Our Team Can Help

Contact McBee Insurance Agency today to get started.

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.