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Rather than offer bundles including cover you may not need, we let you choose additional options such as Breakdown, Helmets & Leather, Excess Protection and Key Care.
Andy. 5* Trustpilot review, December 2018
Classic bike insurance
When you’ve invested not just your money but your time, energy and talent, it’s not just a classic bike. It’s a cherished possession, deserving of the very best care and protection.
We get that, which is why at Principal we offer specialist classic and vintage motorcycle insurance.
We can arrange policies featuring key benefits such as free agreed value, zero deduction salvage retention rights and both limited and unlimited mileage policies.*
If you’re a member of a recognised owners club you may be able to claim a discount of up to 10%,** whilst we can also source optional rally, track day and static display cover.*
You’ll find too that thanks to our extensive panel of specialist motorcycles insurance insurers we can arrange cover for pretty much the A-Z of classic and vintage motorcycles – from AJS to Zenith.
We also offer cost-saving multi-bike insurance** and specialist schemes for rare and high-value motorcycles.
Bike off the road? Click here for details of specialist SORN bike insurance.
Additional cover options – Pick and choose your cover options to get the exact level of protection that you want, with an extensive range to protect you and your vehicle. Options include Breakdown & Accident Assistance, Motor Legal Protection, Excess Protection, Key Care and Road Halo licence defence.
RIDING IN THE EU IF THERE IS “NO DEAL” AFTER BREXIT TRANSITION: Please click here for advice on the documents you may need to travel in the EU after the Brexit transition period.
*Salvage retention rights, track, rally and static display cover subject to meeting underwriing criteria. ** The availability and value of owners club discounts varies between insurers on our panel and are subject to terms and conditions. *** The cost per bike can be lower when taking out multi-bike insurance than when insuring motorcycles separately. Please ask for details of the panel of insurers we use to compare classic bike insurance quotes.
With many insurers and even more policies, getting classic bike insurance quotes can be a bit of a faff!
When you compare motorcycle insurance, there are a host of things you should watch out for.
Are you comparing like with like? For example, cheaper classic bike insurance quotes might include a limited mileage clause.
Does the cover give you what you want? We know that for classic enthusiasts a bike is not just a bike. It’s an investment not just of money, but time, of passion. So if yours was written off, would you want to be offered the chance to buy back that write-off so you can salvage the parts or even restore it to its former glory?
However some insurers also offer modern classic motorcycle insurance for newer bikes, usually of between ten-15 years.
Be aware too that at least one insurance comparison website is unable to offer classic bike insurance quotes for vintage machines older than 70 years.
Because classic bike owners treasure their motorcycles and are therefore likely to take better care of them and ride them less, insurers usually see them as lower risk. That tends to mean that the classic bike insurance cost is lower than for modern motorcycles.
If you’re setting off down the road to Classic Bike Insurance Quotes Comparison, remember that we, as an independent specialist broker might be able to help you avoid some of the metaphorical potholes along the way!
We can help by comparing motorcycle insurance quotes offered by the specialist insurers on our panel.* By knowing the right questions to ask, we may also be able to help you get a cheaper quote. More importantly, by discussing your circumstances and needs, we can find the most appropriate for you from those offered by our insurers.
As we’ve said, it’s not all about the pounds, shilling and pence. Cheap classic bike insurance does not necessarily mean the best classic bike insurance for you.
But equally nobody wants to pay more than they need, so here’s a few tips on how to cut the cost of your cover.
Some insurers will do a trade off with you. If you agree to pay more towards the cost of any claim you make – your excess – they will in return reduce your premium.
However, being able is key. If you’re tempted out on your bike more than you planned and exceed your policy limit, this could impact your cover and/or lead your insurer to levy an additional charge.
Obvious, but its still worth a reminder that notching up years of claim-free riding can earn you significant discounts. No claims bonus rates and scales vary between insurers. They can reach as high as 75% with the insurers on our panel.
If you hold a recognised advanced riding qualification, this too might earn you brownie points with an insurer.
Discounts of up to 15% may be offered if you’ve completed a certified advanced riding course. These might include programmes run by the Royal Society for Prevention of Accidents, Institute of Advanced Motorists. There is also a government-backed or the Enhanced Rider Scheme.
Again some insurers offer rewards to those bikers who invest in addition and insurance approved security devices. These might include high tech kit like Datatag’s forensic marking security system through to brutally simple solutions like a mighty ground anchor. Available discounts vary but can reach 10%.
If you’re able to secure your bike in a garage that too is likely to be looked on favourably – depending upon where you live and what you want to insure, it might even be an underwriting condition. In the world of insurance, the term “garaged” can be a little fluid. Insurers may need you to provide details of the storage facility – whether it’s a garage, lock-up, shed etc.
That’s because we can take the time to chat about you and your bike.
Getting to know more about both will help our advisors find you the most appropriate and best value quote from those offered by our panel of insurers.
And on that note…
When you’re comparing classic motorcycle insurance quotes, make sure the cover provides what you need, but not what you don’t.
Many insurers and brokers are fond if bundling bike insurance with “add on” policies. These might be for things like breakdown and accident assistance which you may already have through a standalone policy or bank account perk.
So make sure you don’t end up paying twice for the same thing.
Think too about the level of cover you want: Fully Comprehensive, Third Party, Fire & Theft or Third Party Only?
If your bike is as precious to you as we think it is, then fully comprehensive insurance could be your best option given, for example, that it will cover you for the repair of your bike if it is damaged through an insured event.
Policy benefits to look out for that you might want to look out for include:
This is a process by which you and your insurer agree the value of your bike when taking out insurance.
This can prevent disputes and financial disappointments should you later need to claim. It’s important to keep an eye on the value of your bike when it comes to renewing, as like anything else, their value can fluctuate.
Classic and vintage motorcycles often appreciate in value and, of course, if you invest in further restoration during the term of your policy, that too can increase the worth of your machine.
For many classic bike enthusiasts their bike is more than the sum of its parts. Insurers get that you may have spent years scouring auto-jumbles, small ads and online auction sites to find that rare oil filter cover or vintage fairing. They know that “economically viable” is not necessarily the most important phrase to you when looking at the possibility of a repair.
If you’re looking to insure a classic bike collection, then multi-bike insurance is worth considering.
This is likely to be cheaper than insuring bikes separately and you can cover any combination of modern and classic motorcycles, cars or vans.**
You might also want to complement your core classic motorcycle insurance policy with optional protections.
At Principal we can arrange a variety of additional cover options. These include Helmet & Leathers insurance which protect those titular items along with other biking gear such as boots and gloves.
We also offer Licence Defence motor prosecution insurance. This is designed to help protect your licence by providing access to specialist legal advice to motorcyclists and motorists accused of a motoring offence. These might be things like speeding tickets or charges for careless driving.
* Please ask for details of the insurers we use to compare classic bike insurance quotes. ** The cost per bike can be lower when taking multi-bike insurance than when insuring motorcycles separately.
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