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Classic Motorcycles
There are more motorcycle riders than ever before. Did you know more than half of riders are married, went to college, & their income exceeds the median U.S. income? Or that 10% of motorcycle owners are women? We offer comprehensive classic motorcycle insurance policies that offer agreed value coverage, flexible mileage options & more. Gain new customers & add in classic motorcycle enthusiasts today.
Classic Motorcycles
There are more motorcycle riders than ever before. Did you know more than half of riders are married, went to college, & their income exceeds the median U.S. income? Or that 10% of motorcycle owners are women? We offer comprehensive classic motorcycle insurance policies that offer agreed value coverage, flexible mileage options & more. Gain new customers & add in classic motorcycle enthusiasts today.

Use our market* for collector vehicle insurance:
- No restrictions by year, make or model
- Flexible usage and mileage
- Minimal driving experience required
- Higher liability limits and more deductible options
- Additional garaging options accepted
- Simple online quote & submission process,
- Online policy management,
- Expert underwriting/marketing assistance
Policy Features
The antique & classic motorcycle program is available in all states except NY, and is available for physical damage only in NC. Our policies are annual and our minimum premium is $100.
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 deductible in the event of total loss.
Zero Deductible
Our policy includes a zero deductible option, providing zero out of pocket cost in the event of a claim.
Mileage Plans
Your customers know that the days of one-size-fits-all plans are over. They want a mileage plan that best fits their needs (2,500, 5,000 or 7,500)—now you can give it to them.
Flexible Usage with Freedom Tier
Our Freedom Tier provides more freedom than any other collector vehicle insurance provider. True collectors are allowed 7,500 annual miles PLUS occasional general usage.
High Value Vehicle Program
We provide coverage and discounts for vehicles valued over $150,000 or collections valued over $250,000.
Towing & Labor for Collectors (C.A.R.E.) Plan
Our comprehensive C.A.R.E. Plan—affordably priced on a policy level—reimburses for much more than emergency towing & labor expenses. Learn more about 3 levels of C.A.R.E.
Coverage for Vehicles in Restoration
Not quite finished? No problem! In most cases, we can protect the car throughout the duration of the restoration.
Inflation Guard
Automatically increases the limit of liability up to a max of 6% at no additional cost.
Spare Parts Coverage
Should damage or loss occur to a classic “spare part,” our policy provides up to $500 coverage at no additional cost. Additional coverage is available.
Higher Liability and More Deductible Options
Even more cost and coverage options are now available.
Automatic Coverage for Newly Acquired Vehicles
Qualifying vehicles purchased during the policy term are automatically covered for 30 days.
Multi-Vehicle Discount
Qualifying vehicles purchased during the policy term are automatically covered for 30 days.
Motorcycle Qualifications
Your clients may enjoy the insured motorcycle on a “pleasure only” basis (e.g., pleasure driving, club functions, exhibitions, tours, etc.) up to the mileage tier limit the customer selected. No requirements for an insured to be in “attendance” of the motorcycle during hobby usage. We cannot accept motorcycles that are used for general transportation (e.g., commuting to work/school, running errands, etc.) or as a backup to the family car.
- Classic Motorcycles must be at least 20 years old.
- Motorcycles must be in good original condition or if restored, must retain its structural integrity.
- Must be kept in a fully enclosed, locked garage.
- A central station security system is required in each garage housing an individual vehicle or collection valued at $150,000+.
We cannot insure: Off-road vehicles, jeeps (unless they are military or well-maintained antiques) or vehicles used for racing or timed events. Please do not submit requests for “liability only.” Liability is not available as a single coverage.

Applicant Qualifications
In order to qualify for our outstanding protection and affordable rates, drivers must have:
- At least 5 years of licensed driving experience
- A good driving record – no more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household)
- One regular use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples)
Submission Requirements
It takes just a few minutes to quote and submit your next risk online! Once approved, you will receive a confirmation email listing premium payment options.
Please Note: American Collectors Insurance does require the total annual premium in order to bind coverage, and photo(s) and forms must be received within 20-days. Upon receipt of the premium payment, temporary ID cards will be made available via email. We will review & respond within 24 hours to risks that are not immediately accepted. It’s that easy!