Which type of endorsement will Stan need to cover his newly purchased custom built motorcycle under his personal auto policy?

The appropriate endorsement for covering a custom-built motorcycle under a personal auto policy is the Motorcycle Endorsement. This endorsement is specifically designed to extend coverage for motorcycles, ensuring that unique aspects of motorcycle ownership, such as liability, collision, and comprehensive coverage, are adequately addressed.

A standard personal auto policy may not cover motorcycles due to the differences in vehicle classification and the associated risks. Hence, this endorsement modifies the policy to ensure that the motorcycle is included in the insurance coverage, reflecting all necessary protections tailored to motorcycles, including specialized equipment or modifications that are typical for custom-built models.

While other endorsements might address specific needs, such as customized or all-terrain vehicles, they do not provide the comprehensive motorcycle-specific coverage that is essential for properly insuring a motorcycle. Therefore, using the Motorcycle Endorsement ensures that all aspects of owning and operating a motorcycle — especially a custom one — are appropriately covered.