Classic Bike Insurance

Compare Classic Motorcycle Insurance

Some bikers dream of riding a motorbike fresh off the production line. However for others the dream is of going back into the past and sitting astride a bike that is a real classic.

Looking for cheap classic bike insurance online?

Shopping around used to mean contacting insurance companies and brokers individually, but now with Quotezone, you can compare classic motorbike insurance quotes from over 20 companies by filling in just 1 form!

If you own a classic bike or you are thinking of buying one, its probable that you’ll want to compare various insurance prices so you know how much you’ll pay for cover. While you can in theory get third party or third party fire and theft cover, you may want to have fully comprehensive cover to ensure you get a payout if you are involved in an accident and your bike is a write-off.

You may want to seek out an agreed value for your bike if it is written off, for instance. Fortunately, this is where Quotezone may be able to help. Our panel of UK insurance providers can offer cheap classic bike insurance you know you can rely on if you should ever need it.

When you want to compare classic motorcycle insurance, you’ll want to know you have a chance of getting cheap prices. After all, why pay more to insure your bike if you don’t have to? Let us perform that comparison for you today and see if we could save you money in the process.

Compare classic bike insurance quotes now and start saving today!

Classic bike insurance: your questions answered

How old does a motorbike have to be to be classed as classic?

The definition of a classic motorbike varies between insurers. Some treat bikes over 15 years old as classic, while others set the threshold at 20, 30 or even 40 years. The age range that qualifies for classic bike insurance depends on the policy you’re comparing, so always check the eligibility rules before you buy.

What is classic bike insurance?

Classic motorbike insurance is cover designed for older motorcycles and vintage bikes. It pays out for injury or damage you cause to other road users and their property. Depending on the level of cover you choose, it can also pay to repair or replace your own classic bike if it’s stolen or written off.

Do I need classic bike insurance?

Yes. Any motorbike, motorcycle or moped ridden on UK roads needs at least third-party cover under the Road Traffic Act 1988. Riding without insurance carries a £300 fixed penalty notice and 6 points on your licence (GOV.UK). For a classic bike you can also consider third party, fire and theft or fully comprehensive cover, both of which protect your own bike beyond the legal minimum.

Is there a difference between classic bike insurance and standard motorbike cover?

Yes. Classic bikes are usually kept off-road for long periods and only ridden occasionally, which lowers the risk of an accident and tends to bring premiums down. Insurers also value classic motorcycles differently, often agreeing a fixed value upfront rather than depreciating the bike like a modern one. Some classic bike insurance policies require the rider to be over 25, so check eligibility before you compare quotes.

What is covered by classic bike insurance?

Classic bike insurance comes in the same three levels as standard motorbike cover. Third-party only (TPO) is the legal minimum and pays out for injury or damage you cause to others. Third party, fire and theft (TPFT) adds cover if your classic motorcycle is stolen or damaged in a fire. Fully comprehensive includes everything above plus damage to your own bike in an accident, even if you’re at fault.

Does classic motorbike insurance include any additional features?

Most policies cover the basics by default, but extras usually need adding on. Common add-ons include accessories cover, breakdown assistance, European riding cover, multi-bike discounts, personal accident cover and misfuelling protection. Always check the policy schedule before you buy to see what’s standard and what’s optional.

What information is needed for a classic bike insurance quote?

When you’re ready to compare quotes, you’ll need a few details to hand: make, model and year of the motorcycle, an estimated value, when you bought it, any security measures fitted (alarm, immobiliser, garage storage) and your riding history including any claims or convictions.

Are classic bikes more expensive than standard bikes to insure?

Usually, no. Classic motorcycles are typically cheaper to insure than standard modern bikes because they’re ridden less often, kept in better condition by enthusiast owners, and stored securely between uses. Lower mileage and reduced accident risk both work in your favour at quote time.