In Oro Valley, AZ, you should expect that your basic comprehensive and collision coverage will only cover the factory-standard parts of your bike. That means that custom seats and windscreens, decorative elements, and saddlebags are not going to be covered, and yes, that extends to your sidecar.
What you will want to do is call your insurance provider and ask about their "add on" rider. Add on riders, or accessory riders, cover things like custom rims, saddlebags, and so on. Most motorcycle insurers will cover your sidecar with the add on the rider.
Note that this isn’t uniform across all insurers. Some may actually provide some accessory coverage with their standard comprehensive and collision policies. Usually the limits there are relatively low. They expect that they’re going to be covering things like windscreens and custom handlebars rather than a whole extra vehicle attached to the side. So your policy may max out before you have enough money to replace the sidecar after an accident.
You’ll want to read your policy, call your insurer, and make sure that your accessory coverage covers the entire value of the sidecar. You may find that the basic accessory coverage is more than enough, but you can’t bet on that. You need to make sure that you know whether or not you’re covered.
If you’re using a used sidecar that wasn’t that expensive to buy in the first place, you might not even want to bother getting it covered. But remember that your sidecar will be covered on the same provision as all of your other accessories. So if you can get protected, you might as well get protected.
If you’re still looking for an insurance provider in Oro Valley, AZ, call Old Pueblo Insurance or get in touch via the Old Pueblo Insurance website. We can connect you with a policy that’s right for you.