Accessory & Farkle Coverage
Protects the custom parts and farkles that turn a stock bike into a real adventure machine — crash bars, panniers, skid plates, navigation, lighting, and upgraded suspension.
What's Covered
Included in this coverage
- Crash bars, engine guards, and skid plates
- Hard panniers, top cases, racks, and soft luggage systems
- GPS, navigation units, and electronic mounts
- Auxiliary lighting and wiring
- Upgraded suspension, larger tanks, and exhaust systems
- Heated grips, seats, and other comfort upgrades
Adventure bikes are almost never left stock. By the time a bike is trail-ready it's wearing crash bars, a skid plate, hard panniers or soft luggage, a larger tank, auxiliary lighting, a GPS or navigation mount, heated grips, and often upgraded suspension. Those additions — affectionately known as farkles — routinely add $3,000 to $8,000 of value on top of the bike itself.
Here's the problem most riders don't discover until claim time: a standard policy pays out based on the stock value of your bike. If your fully built bike is totaled or stolen, the carrier reimburses you for a base-model machine and all of your accessories simply vanish from the settlement. Accessory and farkle coverage is the endorsement that closes that gap, insuring your aftermarket parts up to a stated limit.
When we build your policy we help you total up what you've actually spent on parts and choose an accessory limit that reflects your real investment. As you keep building — a new exhaust here, an Öhlins shock there — it's worth revisiting that limit so your coverage keeps pace with your bike. The goal is simple: if your build is damaged or stolen, you're made whole for the bike you actually ride, not the one that left the showroom floor.
Common Questions
Accessory & Farkle Coverage FAQ
Doesn't my regular policy already cover my accessories?
Usually only up to a small built-in cap — often a few hundred to a thousand dollars — which rarely covers a fully farkled adventure bike. Accessory coverage raises that limit to match what you've actually invested in parts.
What counts as an accessory or farkle?
Anything you've added beyond the factory build: crash bars, skid plates, panniers and racks, navigation, auxiliary lights, upgraded suspension, larger tanks, exhausts, heated grips, and similar upgrades. Keep receipts and photos to make claims faster and smoother.
How do I know what accessory limit to choose?
Add up what you've spent on parts and installation, then pick a limit that covers the total. We walk through your build with you and recommend revisiting the limit whenever you add significant new equipment.
Ready to Add Accessory & Farkle Coverage?
Tell us how you ride and we'll build a policy that covers every scenario. Free consultation — 15 minutes, no obligation.