Custom parts and modifications can increase your car’s value but may not be covered by standard insurance. In 2025, this guide explains how custom parts coverage works, how to insure aftermarket parts, and ensure your vehicle upgrades are protected in case of damage.
What Is Custom Parts Coverage?
Custom parts coverage protects your car’s upgrades beyond factory specs. Here’s what it covers in 2025:
- Aftermarket Parts: Wheels, exhausts, or stereos—items added post-purchase.
- Custom Mods: Paint jobs, lifts, or spoilers—unique tweaks to your ride.
- Repair/Replacement: Pays for fixes or new parts if damaged—up to a set limit.
Standard policies skip these vehicle upgrades—this add-on fills the gap.
How to Insure Aftermarket Parts
Getting aftermarket parts insurance in 2025 is straightforward. Here’s how:
- List Upgrades: Tell your insurer every custom part—receipts or photos help.
- Add Coverage: Opt for custom equipment coverage—costs $10-$50/month extra.
- Set Limits: Match coverage to part values—$5,000-$10,000 is common.
Properly insuring aftermarket parts keeps your investment safe.
Why You Need Custom Parts Coverage
Custom parts coverage is a must for modified rides in 2025. Here’s why:
- Cost Protection: Replaces pricey upgrades—$1,000 rims aren’t cheap to fix.
- Crash Risk: Accidents don’t spare mods—standard policies won’t cover them.
- Theft Risk: Custom parts attract thieves—coverage ensures you’re not out of pocket.
- Peace of Mind: Drive worry-free knowing your vehicle upgrades are secure.
For car enthusiasts, custom parts coverage is worth every penny.
Source: 2025 U.S. Insurance Trends and Custom Vehicle Insights