Protect your pride and joy with classic motorcycle insurance

Here at Carole Nash, we source various policies for different aged bikes, including vintage, future classic and classic bike insurance. For this reason, it’s important to understand the differences so you can select a policy that’s suited to the bike you own.

If your motorcycle is between 20 and 30 years old, then it qualifies for classic motorbike insurance. A motorbike that’s over 30 years old is eligible for a vintage motorcycle insurance policy. Meanwhile, a bike that’s between 10 and 20 years old will benefit from a future classic bike insurance policy.

Classic motorcycle insurance allows you to take to the road with confidence - knowing that your bike is covered for the unexpected. Depending on your insurer and chosen tier of cover, you may be able to take advantage of a range of benefits with this policy, such as low mileage discounts, a low excess, and salvage retention rights.

Another key benefit of getting classic bike insurance through us is that we offer agreed value as standard. This means that you’ll be paid an agreed sum should your motorcycle be stolen or written off, instead of being paid the market rate value at the time of the claim. This is particularly appealing to classic motorbike owners, as the market value may not reflect the true value of your bike.

You’ll also have peace of mind knowing your classic motorbike insurance covers various situations in addition to your time on the road. For example, if you plan to show your motorbike on a static display at a show, then you’ll know it’s protected in the worst-case scenario.

Classic motorbike insurance policies through Carole Nash come with plenty of benefits as standard, including:

• European cover for up to 90 days
• UK & European Breakdown cover, including At Home assistance
• Up to £100,000 of Legal Expenses cover in the event of an accident which is not your fault
• Uninsured Driver cover

Depending on your insurer and chosen tier of cover, further benefits may also be available:

• Agreed value
• Salvage retention rights
• Static display cover
• Low excess, from £100
• Up to 10% discount for club members (not including fees, optional extras or premium finance)
• Cover for club rallies
• Spare & dismantled parts cover

To find out more, give us a call on 0333 005 3355.

With two tiers of cover plus various optional extras to choose from, you can find insurance that protects your classic motorbike.

Platinum – Our Platinum tier of cover includes features such as EU cover, a 24/7 Emergency Accident Helpline, new bike replacement, and more. You’ll also benefit from Motor Legal Cover and European Breakdown Cover, including At Home Assistance.

Diamond – Our Diamond tier includes all the benefits of our Platinum policies but with added Personal Accident Cover (up to £21,000).

When taking out insurance for your classic motorcycle, make sure you choose a level of cover that suits your requirements. There are three types of bike insurance to pick from:

• Third party: This level of insurance covers damage to a third party’s vehicle or property only.
  
• Third party, fire, and theft: This policy will also cover your bike if it is stolen or damaged by fire.  
• Comprehensive: The highest level of cover available. It covers all of the above and insures you for any accidental damage to your classic. 

Sometimes, your motorcycle insurance may be invalidated, and it’ll stop covering you. To give you an idea, any injury, loss, damage, or accident would not be covered if:

• Your bike is being ridden by an unlicenced biker
• Your bike is under the control of someone who isn’t named on the insurance
• Your bike is carrying people or property in a way that makes it unsafe to ride

You should get to grips with these exclusions. They are only examples, and it’s important that you check your policy wording for more details.

Unfortunately, we can’t answer this question exactly because the price will depend on a number of things. Factors range from your riding experience and age to the model of your bike and the level of cover you take out.

One way you can determine how much insurance will cost for your classic motorbike is to get a free quote online through Carole Nash. Before you know it, you’ll have your answer.

Get a quote

There are things you can do to try and bring down the price of your classic bike insurance:

• Keep your classic bike in a secure building, like a shed or a garage – don’t forget to chain it up, too.
• Improve your riding skills by completing advanced training. Making the effort may earn you a discount with some insurance providers
• Build up your No Claims Bonus by keeping your policy running for 12 months
• Work out your mileage accurately by checking previous MOT records

If you need to claim on your insurance following an incident, don’t worry. Just call our specialist claims line on 0333 005 2244. It’s live 24 hours a day, seven days a week, so you’ll always be able to ring us when you need to.

There won’t be any forms or paperwork to do. Our friendly team will make sure your classic’s insurance claim is processed as quickly as possible. 

We will work hard to try and help you find cover for your classic either online or by phone. Here are a few reasons to consider us:

• We understand classic bikes and their riders. Our team has plenty of industry expertise and they’ll do everything they can to try and help you get cover that suits you and your ride.
• After 40 years, you can rest assured that we know what we’re talking about.