You need classic bike insurance to protect your vintage vehicle and to make sure you are covered in case of accident, theft or damage. For your bike o be classed as classic it needs to be 20 years old and over.
GarageGarage has one of the biggest impacts on your insurance!
Cover TypeThink carefully what cover you really need!
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Classic Motorbike Insurance
Completing your application
You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.
What will affect Motorbike Insurance?
While shopping for motorbike insurance, keep in mind the following factors that can influence what your premium may be:
- Motorbike type
- Riding history
- Age of rider
It’s common for many motorbikes to have some form of modifications added onto them. When shopping for insurance, it’s important that you make note of any modifications that are on your bike, and if you do plan on adding any modifications onto your bike during your policy term, make sure to contact your insurer about these changes as well. There are several types of modifications that can be added to your motorbike, such as:
- Physical modifications
- Practical modifications
- Performance modifications
- Safety-enhancing modifications
- Security modifications
Types of cover for your motorbike?
Third party only is the minimum level cover required by law in the UK. It covers:
- Liability for injury to others (including passengers)
- Damage to third party property
- Liability whilst towing a caravan or trailer
Third party, fire and theft covers everything that third party does, but also:
- Fire damage
- Theft of vehicle
- Damage to your car caused during theft
This typically allows you to make a claim for any damage that has been done to your motorbike (unless otherwise noted in your policy exclusions). This would include accidental damage to your motorbike, vandalism and medical expenses. But between these three levels of cover, which one is the best to go with? Third party only cover is typically going to be cheaper than the other two, as the insurance company won’t have to pay out as much, but for many that may not be the best option.
Simply put, an excess is what you contribute towards a claim. There are two types of excess payments: compulsory and voluntary. The compulsory excess is decided by the insurer and it’s the amount that you must pay if you make a claim on your policy. A voluntary excess is the amount that you choose to pay in addition to the compulsory excess when a claim is made. You can choose how much you pay for your voluntary excess. For example, if you choose to pay a higher voluntary excess, then your premium will be cheaper. However, if you choose to pay a lower voluntary excess, your premium will most likely be more expensive.