Antique and Classic Motorcycle Insurance
Why insure your vintage motorcycle with standard motorcycle coverage? Your bike is anything but standard! American Collectors Insurance specializes in collector vehicle insurance plans that can give your classic motorcycle broad & flexible protection.
- Tailored Agreed Value policies
- Knowledgeable passionate specialists
- Flexible mileage options that align with unique events & driving habits
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Classic Motorcycle Insurance Policy Features
Enjoy your ride and have peace of mind with comprehensive coverage that protects your collector motorcycle.
Agreed Value Coverage
Our classic motorcycle insurance includes Agreed Value coverage, which means policyholders are paid the full agreed-upon value in the event of a total loss (less applicable deductible) without any deduction for depreciation.
Inflation Guard*
In the event of a covered total loss to your classic or vintage motorcycle, Inflation Guard adjusts the Agreed Value of the bike up to 6% max.
Automatic Coverage for Newly Acquired Motorcycles
Our classic bike insurance policies provide automatic 30-day coverage for qualifying vehicles purchased during the policy term up to $25,000 for newly acquired classic motorcycles.
C.A.R.E Plans
Silver C.A.R.E. (Collector Auto Reimbursement Endorsement) package reimburses incidental towing, and roadside assistance to get your bike back on the road.
Spare Parts Coverage
At no additional cost, American Collectors Insurance policyholders are covered for up to $500 for covered loss or damage to classic “spare parts.”
Hassle-Free Renewals
When policy terms expire, there’s no need to complete a new application at renewal.
See if you meet a few simple requirements
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Collector Motorcycle Insurance Underwriting Policies
American Collectors makes it easy to apply and get approved for classic motorcycle insurance. Here are the basic steps we take when insuring and underwriting insurance and liability coverage for a classic bike:
- Application Approval: You’ll get a quick decision from us, indicating if you’ve been approved for collector car insurance.
- Risk Assessment: American Collectors Insurance representatives review application information to evaluate the risk involved in the insurance policy.
- Determine Auto Policy Coverage: We’ll review your requested Agreed Value limit, assess the requested application details, and underwrite the eligibility for the coverages requested on the application.
Does My Classic Motorcycle Qualify?
To qualify for coverage through a vintage motorcycle insurance policy, there are specific criteria that must be satisfied:
- Classic & Antique Motorcycles: The motorcycle must have a minimum age of 20 years to be eligible for coverage. This ensures that the policy is geared towards preserving and safeguarding older, historically significant bikes.
- Condition Requirements: The motorcycle’s condition should either be in a well-preserved original state or, if restored, maintain its structural integrity to meet the standards set by the policy. This focus on condition safeguards the value of the insured vehicles.
- Storage: When it’s not in use, the motorcycle must be stored in a fully enclosed and securely locked garage. This precautionary measure prevents damage and theft, helping to maintain the motorcycle’s market value.
- Limited Usage: The vintage motorcycle insurance policy is tailored for bikes that are primarily utilized for recreational purposes, rather than daily commuting or errand-running. This excludes bikes used as your primary mode of transportation.
- Pleasure Use: The policy allows for the insured motorcycle to be enjoyed exclusively for recreational activities. These activities encompass a wide range of events, such as leisurely rides, participation in club functions, exhibitions, tours, and similar engagements.
With these qualifications, our vintage motorcycle insurance policy is meticulously designed to offer specialized coverage catering to motorcycles of historical or collector value. It ensures protection under distinct conditions that align with the unique status and intended use of these cherished vehicles. This tailored approach goes beyond what standard motorcycle insurance covers and includes provisions to protect against potential risks such as vandalism, theft, and market value depreciation.
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Frequently Asked Questions
Do I qualify for vintage motorcycle insurance?
At American Collectors Insurance, we require the following:
- You’ve been driving for at least ten years. Five to nine years driving experience may be consider as an exception.
- No more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household). DUI’s and reckless Driving violations must be at least 10 years old.
- Each licensed driver in the household must have a “daily driver” regular-use vehicle.
- Applicants must carry bodily injury liability limits that are at least equivalent to their selection with our program.
Read more on eligibility requirements.
How many years before a motorcycle becomes a classic?
The classification of a motorcycle as a classic typically depends on various factors, such as its age, historical significance, and popularity among collectors. While there isn’t a specific set number of years universally agreed upon, many consider motorcycles that are around 20 to 30 years old as potential candidates for classic status. However, the exact time frame can vary and may be influenced by the motorcycle’s unique qualities and its place in automotive history.
Is a classic motorcycle a good investment?
Investing in a classic motorcycle can be both rewarding and risky. Classic motorcycles, much like classic cars, can appreciate in value over time, especially if they are well-maintained, have historical significance, or belong to a sought-after model. However, the value of classic bikes is not guaranteed to increase, and it largely depends on market trends, demand among collectors, and the overall condition of the motorcycle. While some vintage bikes have indeed proven to be good investments, it’s important to remember that the classic motorcycle market can be unpredictable.
Is vintage motorcycle insurance cheaper than standard auto insurance?
Vintage motorcycle insurance policies are often tailored to the unique needs of older bikes and motorcyclists who ride them. In some cases, vintage motorcycle insurance can be more affordable than standard auto insurance, especially if the bike is primarily used for recreational purposes and has limited mileage.
Vintage bike insurance policies may offer specific coverage options, such as robust coverage for custom parts, sidecars, and other unique features commonly found on classic bikes. However, insurance costs can still vary widely based on factors such as the type of bike, its value, the rider’s history, and the coverage limit desired. It’s recommended to compare quotes from different insurance companies to find the best coverage and rates for your vintage bike.
What does classic motorcycle insurance cover?
Classic motorcycle insurance provides coverage specifically tailored to the needs of vintage bikes. It includes collision coverage for damage from accidents, liability insurance for injury or property damage, and often coverage for events like theft and vandalism. This specialized insurance ensures the protection and preservation of these unique and valuable motorcycles.