Antique & Classic Motorcycle Insurance 101

Why insure your special bike with standard coverage? After all, your bike is anything but standard! With antique & classic motorcycle insurance, you not only benefit from broader “agreed value” protection, but you also potentially save hundreds of dollars per motorcycle on your annual premium.


Agreed Value protection

Collector motorcycles tend to appreciate in value, so it is important to make sure that your insurance policy is written to cover your bike’s full collector value. An American Collectors policy insures classic motorcycles for an agreed amount, meaning that in the event of total loss, you are paid the vehicle’s full-insured value (less any applicable deductible) with no depreciation.

Qualifications & Usage

Collector bikes are typically older (25 years+), although American Collectors will consider newer classic bikes 20 years and older. They should be garage-kept and driven on a limited basis, generally for pleasure rides and hobby activities. The requested value should reflect the vehicle’s current condition (photos substantiating the bike’s value are required). Bike appraisals are generally NOT required.

To obtain a free quote & purchase coverage for your antique or classic motorcycle, please call 1 (800) 360-2277, Monday – Friday, 8:30 a.m. to 7:00 p.m. EST & Saturdays from 9:00 a.m. to 5:00 p.m. EST. or send an email to info@americancollectors.com


Policy Features

The antique & classic motorcycle program is available in all states except NY. Note that the program is available for physical damage only in NC.

We will consider single qualifying motorcycles as well as larger collections. The program provides:

Agreed Value Coverage

Pays the motorcycle’s full-insured value less any applicable deductible in the event of total loss.

Inflation Guard

Automatically increases motorcycle’s value by 2% each quarter (up to a max. of 6%) at no additional cost.

Automatic Coverage for Newly Acquired Motorcycles

Qualifying bikes purchased during the policy term are automatically covered for 30 days for values up to $25,000.

Towing & Labor for Collectors (TLC) Plan

Speciality reimbursement plan designed with collectors in mind. It includes reimbursement for emergency towing, roadside assistance, and more! Only Silver plan applies with motorcycle coverage.

Spare Parts

Our policy covers damage or loss to a classic “spare part”—up to $500 coverage—at no additional cost. Additional coverage is also available

Hassle-free renewals

We do not require a completed application at renewal. Also, renewals are billed direct.

*Program features and availability vary by state. Please contact American Collectors Insurance for additional information.