Comparing classic motorbike insurance
Being a classic bike owner can be a labour of love, but we wouldn't have it any other way. Tracking down that very specific part or paint colour might be difficult, but insuring your beloved bike doesn't have to be.
Let's get started
Before you do anything else, we just need to let you know we can only compare cover for bikes built during and after 1970.
Frequently asked questions
What is a classic bike?
Generally, motorcycles that are over 20 years old are classed as 'classic', but this does vary: think the Honda Super Cub or Triumph Bonneville. They're also known as 'modern classic', 'vintage', and 'antique', just to confuse things – and everyone seems to have a different idea of what means what.
How much does it cost to insure a classic bike?
Whatever make, model or year you've got, looking after your classic bike isn't cheap. But this care and attention stands you in good stead when it comes to insurance. Classic bike insurance can be less expensive than normal bike cover because:
- Riders are considered more careful drivers – you wouldn’t want a prang from a silly riding mistake
- Classic bikes are less likely to be stolen – they’re much easier to trace than normal bikes, so much harder to sell on, according to Motorcycle News.
How is classic bike insurance different to normal bike insurance?
Classic motorbike insurance is a bit different to insuring a normal bike, because these vintage beauties are more valuable, better looked after, and driven less. You can pop to the shops on your MV Agusta 750 Sport if you fancy, but you probably won't be driving it to work every day.
That means there can be opportunities to save money on insurance for classic bikes. Make sure you give accurate figures when applying for a quote for your mileage. If your beloved classic bike is more of a display model than a runaround, simply doing fewer miles makes it less of a risk for insurers.
Deciding an agreed value – the value of classic bikes varies massively, so setting a value for your bike at the beginning of an insurance policy will make sure you've covered for everything it's worth. But you'll have to talk to the insurer directly about this possibility.
How can I lower the cost of my classic bike insurance?
As well as setting an agreed value and limited mileage on your classic bike, you might be able to lower the cost of your insurance policy by bumping up security.
- Add an immobiliser
- Make sure you have an alarm
- Integrate motorbike tracking tech
- Keep your classic bike in a locked garage
Some insurance providers also offer a discount if you're a member of a classic motorcycle club, so remember to flash your membership card.
What information do I need to get an insurance quote for my motorbike?
Before starting your quote, make sure you have details of:
- the make and model of your motorbike – plus the registration number
- the year it was manufactured
- any modifications after manufacture
- the value of your motorcycle and the date you bought it, if applicable
- how long you've had your motorbike licence
- any claims or convictions
- any additional riders, including any claims and convictions they may have had any special security devices you carry or have had fitted to your motorbike
If you carry your bike on a trailer you may also want to make sure your policy covers damage while it is being transported rather than driven, or whether you need to cover this on your car policy.
And don't forget, if you buy your policy by linking through from us, you'll benefit from the fabulous MEERKAT MOVIES! You can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year. *