What Off-season Motorcycle Insurance Coverages Do You Need?

Posted on March 28, 2025March 26, 2025 by admin

If you’re a motorcycle owner, you might want to ensure that you have off-season insurance coverage included in your current policy. Off-season motorcycle insurance is designed to protect your bike during the off months and differs from standard coverage. If you want to learn more about specific off-season coverage, our agents at AW Burchell Agency Inc. in New York are here to help.

What Does Off-Season Motorcycle Coverage Entail?

Off-season motorcycle coverage applies when you’re not using your motorcycle due to the time of year or weather conditions. This type of coverage is designed to cover theft, vandalism, and weather damage. If you’re not riding during these months, you’ll want to protect your motorcycle. During this time, if your motorcycle isn’t insured, damages must be paid out of pocket.

Why is Off-Season Coverage Necessary?

While it may seem unnecessary, off-season motorcycle coverage can be beneficial for various reasons. For instance, comprehensive coverage can protect your bike from non-collision damage. It also affects your liability coverage and ensures your motorcycle is protected from risks. Another significant benefit is that you can lower your coverage rates during this time and avoid any gaps in coverage.

Other Factors to Consider

Many factors affect off-season coverage, and not all insurance companies offer this. Companies dealing with loan and lease agreements and insurance policies will need to be reviewed frequently. Additionally, motorcycle owners will need to review state laws annually to ensure their policies provide adequate coverage. If you’re still confused, don’t worry, as agents at AW Burchell Agency Inc. in New York can help you understand off-season motorcycle insurance coverage. We’re just a call away.

Custom Parts Coverage for Your Motorcycle

Posted on May 31, 2024June 5, 2024 by admin

Custom parts can enhance your bike’s performance, make it easier and safer to ride, and attract attention as you drive on the road and down the street.

AW Burchell Agency Inc. offers motorcycle custom parts insurance for riders throughout New York and Pennsylvania. Some of the custom parts we cover include:

Mirrors: Adding custom mirrors is one of the simplest ways to give your motorcycle a unique look and feel.
Exhaust systems: Custom exhaust systems can increase your motorcycle’s torque and power and alter its sound.
Lights: Custom lighting systems make it easier for you to see the road and for other drivers to see you. Custom headlights, taillights, and turn indicator options are some of the most popular accessories for motorcycles.

However, coverage for custom parts isn’t automatically included in every motorcycle insurance policy. Motorcyclists have two options for custom parts coverage.

For bikes with minimal or few custom parts, your best option is usually a standard motorcycle policy with an add-on for CPE, custom parts, and equipment. You can secure insurance coverage for the value of your motorcycle as per Kelley Blue Book or the National Automobile Dealers Association (NADA) motorcycle appraisal guide, plus the value of the replacement parts and labor associated with replacing them.

For bikes you’ve built in your shop, composite bikes, rebuilt frames, and high-value bikes, you need insurance for an agreed-on value. This means you and the insurance company agree on your motorcycle’s worth. Agreed-on values can also be established for classic motorcycles.

AW Burchell Agency Inc. serves motorcycle owners throughout western New York and northern Pennsylvania. Call us today to get the coverage you need!

The Best Accessories and Gadgets for Motorcycling Enthusiasts

Posted on July 21, 2023August 6, 2023 by admin

Motorcycling is a thrilling and liberating way to get around here in New York, but it can also be a dangerous pastime if riders don’t take the necessary precautions. Fortunately, at AW Burchell Agency Inc. we know some great accessories and gadgets out there that help motorcyclists stay safe and enjoy their rides even more.

Accessories and Gadgets for Riders

Helmets:

No matter how experienced you are as a rider, having a good helmet is essential for staying safe on the road. Helmets come in all shapes, sizes, and colors — so you can find one that’s both practical and stylish. Make sure your helmet fits properly to ensure it provides maximum protection in case of an accident.

Hi-Vis Clothing:

Hi-visibility clothing is one of the most important pieces of gear for motorcyclists. Made with bright reflective materials, hi-vis clothing helps other motorists spot you on the road from far away. It’s especially important when riding at night or in bad weather conditions, making it an essential item for any motorcyclist’s wardrobe.

GPS Tracking System:

A GPS tracking system can be invaluable for motorcyclists who like to explore unfamiliar roads or go on long trips across the country. Most systems will track your location as you ride, which can come in handy if you get lost or need help on the road. GPS trackers also allow friends and family to monitor your progress from afar.

Keep Your Insurance Updated

With so many great accessories and gadgets available for motorcycling enthusiasts today, there’s no excuse not to stay safe and maximize your enjoyment while out on two wheels! So don’t forget to stock up on these must-have items before heading off on your next ride!

For more information about gadgets or a motorcycle insurance policy in New York, give us at AW Burchell Agency Inc. a call today.