Vintage motorbike insurance
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How old does a motorbike have to be to get classic insurance?
Use our easy comparison tool to find quotes from a range of insurers at competitive prices. If you have questions, then read on to find out the key points to consider before you take out vintage motorcycle insurance.
Although it can depend on the provider, classic or vintage motorbike insurance can be available for motorbikes that are 25 years old. They should be similar in appearance as to when originally manufactured.
The age may not need to be exactly 25 years. Make sure you provide all the details of your motorcycle when you are looking for vintage motorcycle insurance.
Does my bike classify for vintage motorcycle insurance?
Vintage motorcycles aren’t just bikes of a certain age. Your bike may classify for vintage motorcycle insurance depending on its condition, how it is kept and its history. If your bike has been modified, rebuilt or repaired using modified materials, you may need modified motorcycle insurance instead of vintage.
What type of vintage motorcycle insurance can I get?
Vintage motorcycle insurance is available in the same form as other motorbike insurance: third party, third party fire and theft, or comprehensive.
To drive on public roads, you must have third party insurance. You may want to add fire and theft protection to your policy for extra peace of mind. Even if your motorbike is stored securely all year round, having additional cover on a vintage bike may be helpful.
If you take your bike out on the road you may want to consider a comprehensive insurance policy. This will cost more, but it helps protect you if an accident happened and your bike is damaged.
Can I reduce the cost of my vintage motorcycle insurance?
There are ways to cut the cost of vintage motorbike insurance. A good way to do this is by reducing risk. Some points to consider include:
- Paying annually is usually cheaper than paying in monthly instalments.
- Keep your vintage motorbike off the road and reduce mileage.
- Make sure your bike is as secure as possible all year round.
- Agreeing to pay a higher voluntary excess can reduce your premium.
How do I accept an insurance quote?
Compare quotes for vintage motorcycle insurance and choose the one that meets your needs. You can usually accept the quote and complete the transaction online. Before you do, make sure the policy provides all the cover you need for your bike. Add on any additional cover you think you may need.