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Accessories & Equipment Coverage
Every covered accessory and equipment component is specifically outlined in the service agreement, giving you confidence in what is protected.
Program Details at a Glance
Deductible: $100 per repair visit
Available Terms: 24, 36, 48, or 60 months
Value Bands: $0-10K/$10-15K/$15K+
Customers who purchase accessories, electronics, or upgrades at the time of sale — ATVs with lifts, Harleys with audio, PWC with GPS and winches.
Audio & Electronics
- Factory and dealer-installed stereo head units, speakers, and amplifiers
- Aftermarket audio systems installed by the selling dealership prior to the effective date
- PWC-specific electronics: GPS units, winches, and fish/depth-finders
Suspension & Lift Systems
- Factory or dealer-installed modified suspension components
- Lift coverage up to 6" above or 3" below original manufacturer specifications
- Oversized tires up to 35" outside diameter, installed prior to sale of the vehicle
Snorkel Systems
- Aftermarket or factory catalog snorkel kits
- Must be manufacturer- or dealership-installed prior to or by the effective date
- Covers snorkel components against mechanical breakdown during the contract term
What's Not Covered
Accessories or equipment installed after the effective date of the contract
Modifications that alter the vehicle's performance, drivetrain, or emissions beyond manufacturer specs — unless an applicable add-on has been purchased
Damage from abuse, misuse, accident, or Acts of God
Normal wear and tear, consumables, or maintenance items
Any repair performed without prior authorization from the administrator
*Coverage begins upon receipt of payment. There is a 30-day initial waiting period on new contracts. Renewals at the end of term carry no waiting period. Accessories and equipment must be installed prior to or on the effective date of the contract. All service work must be authorized by the administrator in advance — unauthorized repairs will not be covered.
Great for Powersports Owners Who Have Customized Their Ride.
If you've invested in audio upgrades, suspension modifications, electronics, or other dealer-installed accessories, this coverage helps protect those enhancements alongside your vehicle.
Common Vehicles & Use Cases
ATVs & UTVs with Lift Kits
Harley-Davidson with Audio Upgrades
Off-Road Bikes with Snorkel Kits
Touring Motorcycles with Electronics
Three-Wheelers with Aftermarket Audio
PWC with GPS & Fish Finders
ATV and UTV owners with lift kits, oversized tires, or snorkel systems — help protect the upgrades you've added to enhance your off-road adventures.
Harley-Davidson riders with dealer-installed audio packages — coverage is available for eligible stereo head units, speakers, and amplifiers installed at the time of purchase.
PWC owners who added GPS units, winches, or fish/depth-finders — protect the electronics and equipment that enhance your time on the water.
Owners with significant accessory investments — if you've spent thousands customizing your vehicle, additional protection may help provide peace of mind.
New vehicle buyers adding accessories at purchase — help protect eligible equipment and upgrades installed as part of your original purchase.
Off-road enthusiasts using snorkel systems and suspension lifts — coverage designed for riders who put their upgraded equipment to the test in demanding environments.
Protect the Upgrades That Make It Yours.
Your accessories are more than add-ons—they're part of your riding experience. Help protect the equipment you've invested in so you can focus on enjoying every adventure.