Adding Custom Parts and Equipment Coverage to Your Auto Insurance Policy

Custom parts and equipment auto insurance coverage provides protection for custom parts that are installed in the vehicle. If your vehicle is altered, you need to get this insurance coverage so that they can be replaced for free if you get involved in an accident. Normally, custom parts and equipment coverage is include in comprehensive insurance and collision insurance. If it is not included in the policy, you can buy it separately.

You have the options for buying an additional four thousand dollars worth of coverage to cover the additional costs for the custom parts and equipments. It offers protection for several types of car equipments including equipments and accessories that are not originally installed by the manufacturer. Examples of custom equipments that are covered include special roofs, custom paints, allow wheel covers, aluminum wheels, wire spoke wheels, custom made tires, T tops, DVD players, VCR players, security features and etc.
However, insurers don’t accept all types of custom equipments.
Devices such as televisions, CD/DVD players and radio that are not installed permanently in the car will not be covered. Radar detector is not a device that is covered in a custom parts and equipment auto insurance coverage. Items such as DVDs, CDs, cassette, and containers are not covered in the policy. Telephones and two way radios that are not installed permanently in the vehicle are not covered.

It is advised that you take photos of the custom parts and equipments in your vehicle so that you won’t face any problem when making a claim. The purchase receipts for the equipments should also be stored in the car.