Do private motorcycle policies provide fire and theft cover for accessories and spare parts?

Private motorcycle policies typically offer fire and theft cover for accessories and spare parts, but this coverage often comes with specific conditions. In many cases, this coverage applies only if the accessories or spare parts are stolen simultaneously with the motorcycle itself. This means that if a motorcycle is stolen and accessories were on it at the time, they may also be covered since the loss is considered part of the overall incident.

Many policies explicitly detail the circumstances under which accessories are insured. These accessories might include features or add-ons that increase the value of the motorcycle. However, it's important to note that if the accessories are stolen without the motorcycle being stolen at the same time, the coverage might not apply – thus highlighting the specific conditions under which fire and theft cover is effective for such items. This clarification helps ensure policyholders understand the limitations and inclusions of their motorcycle insurance regarding accessories and spare parts.