For many motorcycle enthusiasts, a bike is much more than a vehicle. It can mean the perfect fusion of performance and aesthetics. It’s the chance to blow out the cobwebs in style on the open road. For others, it can mean the chance to get together with other like-minded petrol-heads. You can show off your prized possession. However, whatever your reasons for owning a classic bike, you need to make sure that it’s protected by the relevant insurance policy. To help, we’ve listed our top six things to consider when you buy classic motorcycle insurance.

Top six things to think about when you buy classic motorcycle insurance

When you are looking for classic motorcycle quotes, make sure you get the right level of cover for your cherished bike.

1) Agreed value

When you insure your bike, the first thing you need to think about is its value.

With standard motorcycle insurance, you’ll receive the list price if your bike is stolen or written off. This isn’t suitable for classic motorbikes.

An agreed value policy means you agree the value of your bike with your insurer in advance. That means no quibbles about how much you can get if you do make a claim. Prices for classic vehicles have been rocketing in recent years, so make sure you get an up to date valuation or you could be left out of pocket.

This is especially important if you own a motorbike that:

• Is a future classic. Bear in mind that your bike normally needs to be 20 years old to be considered a classic. However, more modern bikes could be considered future classics if they are a special or limited edition model.
• Has exceptionally low mileage. Lower mileage usually means higher value.
• Has historical significance. For example, if your motorbike had a famous previous owner or competed in a prestigious event, its value can be higher than other similar models.

2) Do you need off-road cover?

Do you ever take your bike off the road? For example, at classic motorbike shows and heritage vehicle events. If so, make sure this is covered by your classic motorcycle policy. If not, you could be in for a nasty surprise if something goes wrong.

3) Is a limited mileage policy right for you?

Do you get out on your classic bike as much as possible? Or is it a treat for high days and holidays only? If you don’t cover many miles, make sure you go for a limited mileage policy to save money. Make sure you accurately estimate your mileage as your cover could be void if you exceed it.

4) Do you want to specify where any repairs are carried out?

Not all insurance policies will let you choose where your motorbike goes if it needs to be repaired. But many classic motorcycle owners want to know that they can choose exactly where their bike goes. For example, it may be a specialist garage you always use for work. Or perhaps you know a mechanic with as much passion and knowledge for your bike as you. If you want to be able to specify where your classic motorcycle will go if it needs to be repaired, make sure that’s included.

5) Do you need cover for your leathers and helmet too?

Finally, don’t forget insurance for the rest of your kit. Your helmet and leathers are expensive to replace. They’re also vulnerable to theft and damage. Sometimes you can save money by purchasing your helmet and leathers insurance together with your classic motorbike cover.

There are other add-ons to consider too. For example, do you need breakdown cover? Unfortunately, classic motorbikes can be temperamental. So breakdown cover can give you the peace of mind you need that you won’t be left standing at the side of the road.

Look for bundle deals for complete peace of mind that everything is covered.

6) Transporting your motorcycle

Do you transport your classic motorcycle in a trailer to events? It’s worth double-checking your motorcycle insurance to make sure it’s covered whilst being transported as well as when it is ridden. If not, get this added or check what’s included with your car insurance policy. Many car insurance policies may cover your trailer on a third-party liability basis only. That means you won’t get any compensation for theft or damage to contents.

An Easy ride

Classic motorcycle insurance used to be a difficult thing to track down. It often incurred high premiums. But now, we’ve made it easy and quick to get the right classic insurance for your bike. In fact, you may be very pleased to discover that insuring your classic bike could cost less than insuring a modern bike.

Easy2insure can find you the best available policies at the best available price. Given that your classic motorbike is likely to have a greater value than a regular one, you might think that you’ll have to pay over the odds for your classic motorcycle insurance. Think again: with over 25 years’ experience and expertise in the industry, Easy2insure has achieved ‘preferred broker’ status with many insurers. And because we’re completely independent and not affiliated to any other company, we have the bargaining power to get you the quote that offers you the best cover. All this at the best classic motorcycle insurance rates.

Peace of Mind

Letting Easy2insure find your classic motorcycle insurance quote means that you are putting your cover in the hands of a family-run business. We will pull out all the stops to get you the best protection at the best classic motorcycle insurance rates. We offer the same attention and personal touch to every quote we handle, whether it’s classic bike insurance or home protection. Our formidable reputation relies on exceeding our clients’ expectations and securing them the best terms available. We’re also monitored by the FCA for your peace of mind.

Your classic bike is much more than a vehicle, so trust its insurance to a company that is much more than just insurance brokers. To get your instant classic motorcycle insurance quote now, call us direct on 0800 917 9522 and talk to one of our friendly team for more information.