doesn't the "up to 5 grand in special equipment" still apply?
it used to be that you only needed to purchase extra coverage if you had over the 5 grand.
Does it work the same for bikes as it does with cars? They'll cover $5,000 in upgrades on your standard policy, and anything over that requires additional coverage?
Your auto or pickup, or rather the premium for your car or truck is determined by a "rate group," which you wills ee on your insurance documents.
Rate Group vehicles have coverage for the extra $5,000 (in addition to a bunch of other stuff).
Your motorcycle premiums are based on "Declared Value," and thus, does *not* have the extra $5,000 insurance...because you declare the value of the item you want to insure.
Coverage for equipment
122 (1) Where the premium for a motor vehicle insured under this Division is determined by vehicle rate group, coverage is provided for loss or damage to the equipment specified in column 1 of the Table in Schedule 3.1, subject to any limit specified in that column on the number of items for which indemnity is payable and on the amount of indemnity.
Then, I slip over to Schedule 3.1......
Oh shucks, it doesn't cut and paste so please go here:
And now to the original poster:
Pictures work well, however, there is a subtle art to photgraphing these things. If you go close in and just show the item (let's say a chromed, er, carbon fibre crank case housing, ensure it's also visible in another shot, proving positive it's a picture of your motorcycle, not a collage of your trip to SBW and adding up the photos of all the bling you wanted to have, that was on someone elses motorcycle.
So, take a few shots first, one from the left side, 3/4 view front and back (that gives you the front and one side) and the right side, 3/4 view (that gives you the back and one side....and the all important plate number). then directly on each side, then you can go wild with your close up shots. That, along with receipts, should suffice. BTW, the plate also shows the approximate time of the photos, correct? On account of the sticker being there, and the valid plate. I would log what dates the photos were taken too.