Classic motorbike insurance

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1Correct as of March 2024

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What is classic motorbike insurance?

From Triumphs to Royal Enfields, classic motorbikes often need a different type of insurance in place protecting them. The policies will vary between insurers, but some of the options and extras you might want to consider looking for in a policy include;

  • Fully comprehensive cover
  • Agreed values
  • Limited mileage
Fully comprehensive cover will be of the most use when it comes to carrying out repairs on your bike after an accident. It offers the highest level of protection, and means an insurer will help arrange and pay for repairs to your bike if it is damaged. You can read more about the various levels of cover in our guide.

Agreed values are an important factor when setting up a new policy because vintage and classic bike values can vary so much. Most classic motorbike insurance policies will allow you to set and agree a value for your bike when the policy starts.

Limited mileage discounts may be available with some insurers if you don't ride your bike often and instead keep it on display or as a project. You'll just need to make sure you don't exceed any mileage limits you agree to as this may lead to additional charges later on.

Why should I compare classic motorbike insurance?

Classic motorbikes are often as much of a hobby as a mode of transport. Historically, for a bike to qualify as a classic, it must have been registered before 1982, though these days many insurers offer modern-classic policies for bikes built between 1983 and 1998.

A classic motorbike insurance policy can often come with benefits and extras usually excluded from a regular policy. You may also find that they cost less, since classic bike riders tend to ride less and take better care of their bikes, meaning they pose a smaller risk to insurers.

The amount and type of cover you need will vary from bike to bike, and rider to rider. To help you understand what will suit you, take a look at our motorbike insurance related guides, which include information on the different types of bikes, and how motorbike insurance is calculated.

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