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.

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