How to Get Insurance for Your Antique Motorcycle?

cover your antique bike

Do you own a classic motorcycle? If so, it is very likely that you have put lots of money, work and time into your bike. Of all those things, you could get protection for your money if you invest in a good vintage motorcycle insurance policy.

Why You Need Coverage for Antique Motorcycles?

Whether you have a vintage, classic or old motorcycle insurance policy, you will get to benefit from extensive agreed value protection as well as save lots of money on the annual premium.

Motorcycle owners are required to have liability insurance in most states. This type of insurance can cover the property damage or bodily injuries that result from an accident. However, it will not protect your classic or vintage motorcycle if it’s damaged, so you will have to buy a policy that covers these bikes.

Types of Policies:

Agreed Value Protection: The value of collector motorcycles usually appreciates so it is important to get a classic motorcycle insurance that can cover the full value of your bike. When you get an agreed value policy, the total insured value of the motorcycle will be paid in the event of a complete loss.

Collision: Will pay for damages regardless of who is at fault for a collision.

Liability: This can cover property or bodily injury if you should hit a car, fence or pedestrian. However, if this is a 50cc scooter which can rarely cause property damage, so this may not be necessary.

Comprehensive Coverage: You should purchase this policy if your motorcycle is a right museum piece and you have it to display and not to ride. This coverage will be very affordable, and it will pay the agreed amount if the bike is stolen or maybe damaged by fire, flood or any other disaster.

Full Coverage: You can get liability coverage for an antique motorcycle if you just enjoy riding your vintage bike. It will pay for property damage or bodily injury that you might cause with the motorcycle.

Underinsured/Uninsured Coverage: You can also purchase this policy that will give protection in the event of accidents which involve underinsured or at-fault uninsured motorists.

MedPay: This will cover all medical costs regardless of who is at fault.

Comprehensive coverage will generally include collision, liability, uninsured, theft and vandalism. It is the type of insurance that is needed if you had to take out a loan on the bike itself. Whether it is the right insurance for you will depend on your particular needs. For most people, MedPay is an excellent choice as accidents will likely harm the driver more than the bike.

Finding Affordable Antique Motorcycle Insurance:

You will be glad to know that a vintage motorcycle insurance policy is not overly expensive. As a matter of fact, this type of motorcycle insurance can be cheaper than the standard ones at times because they are considered as low-risk policies by some companies.

When you are looking for affordable bike coverage, you will discover that every company does not offer it, but it’s still readily available. The shopping process can be simple as well. Most providers that offer this motorcycle insurance will allow you to request quotes online. You should try to compare at least three different quotes to ensure that you are getting the right policy for the best price. There are a lot of comparison sites online where you can request free quotes and take advantage of it as you don't require to swipe your credit card for such service. You can always compare the rate and take the most informed decision.

Lastly, you should do your research ahead of time and ask all the necessary questions to get an antique motorcycle insurance that is best-suited for your needs.

Similar Articles

health insurance

The majority of people believe that health insurance is required in old age or if someone is suffering from a critical illness. However, it is not valid. The environment in which we live today is not at all conducive to a healthy life. 

Term Insurance

Term insurance is an unadulterated life coverage insurance policy, it fills its need of just giving insurance and has no different conditions joined and is one of the less expensive choices. insurance is a type of insurance that has a payout if there should be an occurrence of death of the guaranteed during the timeframe of insurance (5 years beginning).


With spring and summer right around the corner, many people who are looking to start their own business may consider opening a landscaping business. This type of business is appealing for many people because it does not have a huge overhead.

group health insurance

We live in an age of extreme awareness about things happening around us and across the globe. Particularly in terms of health, even if most people understand how important it is to stay healthy and fit, they do not feel the need to buy health insurance

Health Insurance

The offer of medical insurance is immense all over the world, where about twenty companies operate each offering up to five different modalities. That is, we can choose up to almost one hundred health insurance options and a hard job awaits us if we want to study them all from their official internet pages.

life insurance

There have lots of families who have life insurance. Million contracts are currently running in particular regions. But the former "standard insurance" is poorly available nowadays: it's not worth it anymore. When should you keep your agreement, when should you get rid of it? 

Professional Indemnity Insurance

Professional Indemnity Insurance is a broad class of insurance policy that is meant to insure liability professionals face at work.  This includes coverage for legal defense and amounts awarded in court to the plaintiff if the professional should be found liable for damages.

Marine Insurance for Cargo Shipping: Is It Worth Considering?

There are different types of insurances out there that can help you in difficult times. You can save a lot of money if you have availed a relevant insurance timely. You have to make sure that you have the perfect insurance plans with you. You cannot take a chance with your income and capital right?

What Does Commercial General Liability Insurance Cover?

Nowadays, mostly all the business simply has commercial general liability insurance. Thus, it is important for you to understand what it covers and what it does not cover.