Do insurance providers insure Special Constructions?
Not all bike insurance carriers insure Special Constructions, particularly custom choppers. The reason: many lack established bluebook values. Custom bikes from established shops with name recognition are more insurable as these companies’ bikes often have historical-pricing data. Some carriers also avoid Special Constructions because of their high replacement cost. Simply put, insurers do not want to pay the high cost of replacing these bikes if they are stolen or damaged. Some insurers just sell liability insurance for Special Constructions, denying riders of these bikes collision or comprehensive coverage.
