Custom Parts and Equipment/Accessory Coverage
When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included in most states. You can purchase up to $4,000 in additional CPE coverage to cover up to $5,000 custom parts and equipment. Certain limitations apply to this coverage.
CPE covers permanently attached equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of an automobile. This includes, but is not limited to:
- Special roofs and deluxe roof treatment
- All custom paint work and deluxe exterior
- Chrome and reverse chrome
- Alloy or magnesium wheels/wheel covers, aluminum wheels or wire-spoke wheels
- Special tires
- Chrome engine accessories
- Racing slicks, oversize tires or custom wide-tread tires
- Camper tops, T-Bar roof and T-tops including glass
- TV, VCR or DVD players that are permanently installed in the vehicle
- Anti-theft equipment not installed by the auto manufacturer
- Aftermarket racing seats or leather seats not installed by the auto manufacturer
- Alcohol detection systems that are not permanently installed
Examples of unacceptable custom equipment:
- TVs, radios and CD players and similar electronic devices that are not permanently installed in the vehicle
- Radar detectors
- Tapes, CDs and containers used to store them
- CB radios, telephones or two-way mobile radios that are not permanently installed in the vehicle
- Alcohol detection systems that are not permanently installed
Special manufacturer trim packages, such as special editions, sport packages or packages featuring specific designers or outdoor outfitters are not considered additional equipment.
Please note: We recommended you take photos of the custom parts and equipment installed in or on your vehicle and save all your receipts.
Example:
Your car has a custom paint job, aluminum wheels and special tires that total $5,000. Because this custom equipment exceeds the automatic $1,000 CPE coverage given with Comprehensive or Collision coverage, you purchase an additional $4,000 in CPE coverage to ensure the parts are covered if they're damaged in an accident.
