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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.See our additional cover options
We offer specialist expertise in custom motorcycle insurance to help you best protect your modified motorcycle or trike!
We’ll take time to get to know you and your bike and help find the most appropriate and best value insurance from our extensive panel of specialist insurers.*
That’s true whether you your ride is a chopper, bobber, café racer, cruiser, cut-down, rat bike, streetfighter, trike. Low and long or high and mighty we will work hard to find best custom motorcycle insurance quote for you and your machine.
Through our free agreed value service, together we can establish the true worth of your bike to ensure it’s properly protected.
What’s more, knowing the love, time and talent that’s gone into its creation, we offer salvage retention rights so that, should the worst happen, you can recover those valuable parts and accessories.
Additionally we offer discounts on our modified and custom motorcycle insurance policies for membership of recognised owners clubs, use of insurance approved security and – if you can bear to do it – limiting your mileage!
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: From 01 January 2021, the rules have changed when it comes to riding or driving in the EU. This includes the Republic of Ireland and certain other countries. You will now need apply for a Green Card before you travel. For more details on the countries this applies to and how to get your Green Card, please click here.
* Please ask for the details of the insurers on our panel we use to compare custom motorcycle insurance quotes. **Salvage retention rights subject to meeting underwriting criteria. *** The value and availability of owners club, approved security and limited mileage discounts varies between insurers on our panel. Terms and conditions will apply. **** The cost per bike can be lower when taking out multi-bike insurance than when insuring motorcycles separately. Please ask for details.
They’re an expression of individuality and creativity – and they take many forms. Bobbers. Café racers. Choppers. Cut downs. Rat bikes. Scooters. Scramblers, Streetfighters….
Because they’re not run-of-the-mill, standard spec machines, but something created by or for owners, they’re special. That’s also why they demand extra care and protection.
If you invested time and money in creating a custom bike – your custom bike – you want insurance that means its properly protected.
Should you need an insurance repair, you want to have confidence in the repairer. If, God forbid, it’s stolen or written off, you want to receive a settlement that reflects its true value.
In that worst case scenario you might also want to have first dibs on the parts which made your bike so special.
With all this in we’ve put together a few pointers to help you get a custom motorcycle insurance quote that meets your needs.
Whether you own a custom, factory custom of modified motorcycle matters.
A factory custom is what it sounds like. A factory-built machine which takes its cues from the custom bike scene. For an insurer, these are standard bikes and so a motorcycle insurance quote will take as its base that bike’s insurance group rating.
Modified motorcycles are bikes which have been tweaked rather than fully customised. They are standard bikes dressed with non-standard, after-market parts. Such modifications might include things like alternative brakes, exhausts, handlebars, suspension or personalised paint job.
As long as they’re road legal, we can arrange modified bike insurance for as many mods as you have. The key point though is that you must declare them. Modifications can affect the performance and value of your machine so insurers need to know everything you’ve done in order to provide you with a fair quote and valid cover.
These are bikes which differ in style and structure to their host machines. They may have been lovingly built by their owner or created by a professional custom bike builder. Often they are one-off.
The bike below is a good example. Created by acclaimed customiser Larry Houghton, Lamb Chop II exclusively features one-off components such as those amazing CNC machined wheels.
As well as what is and isn’t a custom motorcycle, the actual type of cover you want or need is another good place to start.
There are three main types of cover – Third Party Only, Third Party Fire & Theft and Comprehensive.
There is also SORN insurance for bikes that have been registered off road via a Statutory Off Road Notification.
TPO covers only other vehicles and people (third parties) involved. What’s more, with TPO your bike will not be covered if your bike is damaged or lost to fire or theft.
Third Party Fire & Theft insurance
TPFT extends TPO cover to insure the the cost of repairing or replacing/settling the value (less excess) of your custom motorcycle should it be stolen or fire damaged.
Comprehensive insurance is likely to be the level of cover best suited to custom bike owners. That’s because, as the name suggests, it offers much more extensive protection.
Should you need make a claim, with comprehensive cover your insurer will meet the cost of repairing or replacing/settling the value (less your excess) of your bike. It will also settle with third parties involved in accident for which you are to blame (a fault accident).
In addition your beloved machine will be covered if it is damaged in an accident and blame cannot be attributed to another party because they cannot be identified.
SORN insurance offers protection against fire and theft whilst your custom motorcycle is laid up and when it is being restored, rebuilt or further customised.
Principal arranges specialist laid up bike insurance. For details of cover options visit sorninsurance.co.uk.
That’s why custom motorcycle insurance offers specialist benefits, cover options that reflect the nature of the biking beast.
Having an agreed value on your policy can be an attractive option.
This pretty much does what it says on the tin. When you take out your policy, you and your insurer agree on its worth. Then, if your bike is stolen and not recovered or damaged beyond economical repair, your policy will pay out that value.
Of course in order to secure an agreed value, you’ll need provide your insurer with some evidence. They will require recent photographs of your cherished custom and receipts for relevant parts and paint work.
If you further customise your bike during the term of your policy, it’s important that you inform your insurer. You may need to review your agreed value.
Securing an agreed value means that if your vehicle is damaged beyond economic repair – or be stolen and not recovered – you’ll receive that pre-agreed sum in settlement (less your excess).
Principal offer a free agreed value assessment service via our specialist underwriters.
Salvage retention rights
Given that many custom bikes feature one-off and rare components, gaining salvage retention rights may be important to you.
Here, if your motorcycle is written off you can recover what’s left. The reason this matters is that whilst an insurer might deem your machine to be beyond economical repair, you might be willing to invest more – not least of your own time – to restore your bike.
Alternatively, you might just want to reclaim parts so you can embark on a new custom project.
Custom paint cover
Many bikers invest serious money in stunning and intricate custom paint jobs. Some specialist policies offer specific cover to reinstate or compensate for accidentally damaged paint work.
The UK has a thriving custom bike scene, marked by countless shows and competitions.
These range from the Custom Heroes contest at the mighty Motorcycle Live to local, regional and club gatherings.
If you’re looking to show off your pride and joy, then ask about show and rally cover when getting your custom bike insurance quote.
A standard bike policy is designed to cover standard – factory spec – bikes. They may not cover any modifications you have made to your machine.
As a specialist broker we are able to arrange cover for all road legal modifications, without limit. This may be subject to referral and approval by the insurer.
If your bike is special, if it means something more than simply a way of getting around, you want to make sure it’s properly protected.
So it’s good value rather than cheap custom motorcycle insurance you should be looking for. A policy that offers the cover you need at a great price.
The size of your premium will depend upon many factors which you cannot change. The value of your bike, where you live, your age, occupation and so on.
However, there are things you can do to reduce your custom motorcycle insurance quote.
Limited mileage policies
If you’re able, committing to a set mileage limit can help cut your quote.
Typically insurers ask you keep below 3,000 miles in return for a reduced premium.
If you’re willing to share a little more of the risk with your insurer, then you can get a cheaper custom bike insurance quote.
What we’re talking about here is agreeing a higher excess – the amount you would pay towards the cost of any claim you make.
Being a member signifies your passion and suggests you’ll be taking good care of a vehicle you don’t just own, but are proud of.
For example, insurers on Principal’s motorcycle insurance panel offer discounts of up to 10% to recognised owners’ club members.
Storage and security
Clearly insurers are interested in where you will store your bike and the measures taken to protect it.
For obvious reasons they prefer motorcycles to be garaged overnight, or at least securely parked off road, rather than being left out on the street.
Making use of Thatcham-tested and approved security products and system may also earn a discount. The kind of devices that win approval include ground anchors trackers, tagging systems, electronic or electromagnetic alarms and/or an immobilisers.
No claims discounts
One of the best ways of minimising your custom bike insurance quote is to have racked up a few years claims-free riding.
Different insurers operate different no claims bonus structures, with discounts available from insurers on our panel reaching up to 65%. Discounts usually kick in after 1 claim-free year, with the maximum bonus typically offered after 10 years or more.
By talking to you, our advisors will be able get all the details they need to find the best policy to meet your needs from those offered by our panel of insurers.
If applicable they’ll also be able to set in motion our free agreed value service, arranging for your insurer to assess and determine the worth of your machine.
You might also be interested in:
• Trike insurance
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