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Classic Motorbike Insurance

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Looking for classic motorbike insurance for your cherished bike? Our specialist cover can include a number of extras to match the needs of classic and vintage bike owners, including agreed value cover, laid-up cover for bikes kept in storage, and more. Get Defaqto 5 Star-rated insurance that’s tailored specifically to enthusiasts when you speak with our UK team.

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Case Studies

Classic bike insurance that’s designed for the enthusiast

At Bikesure, we offer cover for all riders, whether you’ve modified your classic bike, have a previous riding or criminal conviction, are a young rider or have decades of experience on the road.

Depending on the particular scheme selected, our classic bike policies can include a wide range of features and benefits, including:

  • Agreed value cover so you know exactly what you’ll be paid out in the unfortunate event of a total loss claim
  • Special cover for rallies, track days and events
  • Zero excess policies available so you don’t need to pay anything in the event of a claim
  • Legal cover up to £100,000 included free of charge
  • Free European green card cover for up to 90 days. This can usually be extended upon request, ask for details
  • Free UK breakdown cover included with some classic schemes
  • Cover for rare and high-value classics that may be difficult to insure elsewhere
  • Special “modern classic” insurance schemes
  • Third party cover to ride your friends’ bikes
  • Personal injury and road rage cover
  • Cheap helmet and leathers insurance

Benefit from 5-star-rated classic motorcycle insurance

We’re rated 5 stars by Defaqto. This means that independent experts at Defaqto have reviewed our classic motorbike insurance and concluded that it’s worthy of the company’s highest rating.

Rest assured that you’ll receive “an excellent product with a comprehensive range of features and benefits” when you take out a classic bike insurance policy with us.

How much is classic motorcycle insurance?

The cost of your classic motorcycle insurance depends on a number of factors, including your riding history, how much experience you have on the roads, how you use your bike and how long you want to take out cover.

Rest assured that we offer specialist cover for classic bikes at affordable prices. Take a look at the case studies below to find out just how affordable our classic motorbike insurance quotes are. And if you’d like a better idea of how much your premium will cost, speak to our team directly.

Can I get a discount on my classic motorbike insurance?

Yes, although classic motorcycle insurance is already one of the more affordable types of cover available, there are many ways you can save even more money on your policy. This includes:

  • Becoming an owners club or forum member
  • Riding fewer than 7,500 miles a year makes you eligible for one of our low mileage policies
  • Only needing temporary cover to ride your bike for short periods throughout the year
  • Previous experience riding a classic bike
  • Adding security precautions to your bike, such as motorcycle alarms and locks
  • Owning multiple classic bikes and insuring them all with us
  • Taking out laid-up cover when your bike isn’t in use

Flexible vintage motorcycle cover for all makes and models

Whether you own a Kawasaki Z1, a Royal Enfield Bullet, a Ducati 860 GT, a Triumph Bonneville or a Norton Commando, we can offer low-cost, high-quality cover for all bikes, including classics, vintage, modern classics, and veteran motorbikes. We also cover classic mopeds and scooters and can often offer cover where other insurance providers cannot.

So whether you’ve modified your classic bike or you’ve got a particularly rare model, give us a call. We do our best to beat any quote.

Which classic motorbike policy do I need?

Third party only cover is the minimum level of insurance you can take out, but this might not necessarily be what’s best for your cherished bike. You can choose cover from the following options.

Third party only

This is the minimum level of cover required to ride your classic bike on public roads legally. If you’re involved in an at-fault accident, this will cover the cost of any damage or injury sustained to a third party, their property and their vehicle.

Third party, fire and theft

Third party, fire and theft (TPFT) includes everything in a third party insurance policy, but your bike is also covered against fire and theft.

Fully comprehensive cover

Fully comprehensive insurance includes everything in the above two tiers, plus it also covers the cost of damage to your motorcycle and any injuries sustained by you.

Extras for your classic bike insurance

We offer a number of comprehensive protection packages, which are a more affordable way of getting a number of optional extras such as helmets and leathers cover, legal cover and breakdown cover.

We also offer a number of optional extras which you can add to your insurance policy. This allows you to tailor cover to meet your needs. You can pick and choose from our full range of extras:

What is the difference between standard and classic bike insurance?

Classic motorcycle insurance is designed specifically for the unique needs of your bike. These types of policies can typically include optional extras you wouldn’t find with most standard policies, such as agreed value and limited mileage cover.

In addition to this, classic bike insurance tends to be more affordable compared to standard policies as most classic motorbike owners are experienced riders who treat their pride and joy well and often only take to the road for limited periods in the summer months.

Get classic motorbike insurance tailored to your needs

When you take out a classic bike insurance policy with Bikesure, you can rest assured that the policy will be perfectly tailored to your particular needs. That’s because we have access to an array of specialist classic motorbike insurance schemes, designed especially for classic and vintage bikes.

With our online quote system, you can instantly compare and buy classic motorbike insurance quotes from the range available and then choose which quote is the right one for you. You can always speak to one of our expertly trained underwriters to take up the policy or discuss further options. In fact, for a classic motorbike insurance quote, we recommend you speak to one of our advisers, as they will always have more flexibility than a computer.

We have many years of experience offering classic bike insurance and are able to offer a tailored classic motorbike insurance policy to all UK residents, including those living on the Channel Islands and the Isle of Man.

Classic motorbike insurance FAQs

How old does a bike have to be to get classic motorcycle insurance?

Generally speaking, a motorcycle is deemed a classic when it turns 30 years old. However, at Bikesure, we classify some bikes from the late 1990s, 2000s, and 2010s as classics if, for instance, the motorbikes are no longer made and are considered rare.

Is classic motorcycle insurance cheaper?

Insurance for your classic bike can be cheaper than standard insurance. This is for a number of reasons, including because we know you’re more likely to take good care of your bike and you’re also likely to ride fewer miles than you would on a standard bike.

Do I have to MOT my classic motorcycle?

If your motorcycle is 40 years old or over, it is legally exempt from getting an MOT. That being said, your bike must still be kept in a roadworthy condition for it to be ridden on public roads. If you have the knowledge to maintain your own bike, you could check its roadworthiness yourself, but having your classic bike regularly tested by professionals can offer peace of mind.

Classic motorbike advice from our experts

Related policies

 

Policy Upgrades / Add Ons
Case Studies
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Defaqto five star expert rated for Motorbike Insurance 2025

Insurance fit for a King

Four-time World Champion and King of The Jungle Carl Fogarty teams up with Bikesure Insurance

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“I paid just £72.40”

David (46), Cambridgeshire

1966 Triumph T100SS

Call today for a quote!

CLICK HERE

Insurance to ride any bike

FROM £FROM £29.99

Agreed Value Insurance

FROM £45.00

Helmet and leathers

FROM £35.00

Keycare Insurance

FROM £23.00

Motorcycle Breakdown

FROM £62.00

Policy Upgrades

Bikesure offer a range of upgrades and extra benefits, at low prices, so you can add just the additional cover you need to your policy without breaking the bank.

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Legal Cover (Free)

All motorcycle policies purchased through Bikesure come with £100,000 of legal expenses cover completely free of charge. You will also have access to a 24 hour claims hotline and a dedicated claims handler, a suitable replacement vehicle (where eligible) in the event of a non-fault claim, and access to a panel of legal experts to help you through any litigation. Other brokers and insurers charge up to £32 or more for similar cover. This policy is underwritten by Financial and Legal Limited.

Helmet & Leathers Cover

Replacing your helmet and leathers can be expensive and inconvenient as you have to either stop riding or compromise your safety by riding without protective clothing. Protect up to £1,500 worth of protective clothing for just £35.00 or up to £3,000 worth for £40.00. This helps cover the costs involved with replacing your helmet and protective clothing in the event of a motorcycle accident so you can get back on the road as soon as possible. Underwritten by Trinity Lane Insurance Company Ltd.

Breakdown

The nightmare of your motorcycle breaking down puts all of your plans on hold. Hanging around by the roadside for hours, thwarted plans and costly callout charges mean that a comprehensive breakdown policy is an essential consideration for any biker. For just £62.00 a year, when bought with a motorcycle insurance policy, Bikesure Rescue includes gold-standard cover for the insured motorbike including UK and European Roadside Assistance and Recovery, puncture repair, transport to your destination, back home, or to a garage, and emergency accommodation costs, and can even provide you with a similar hire bike to get you on the road again quickly. Get complete roadside peace of mind today. The policy is underwritten by Trinity Lane.

Keycare

If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £23.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Personal Accident Cover

Nobody likes to think about the possibility of suffering a bodily injury in an accident, but unfortunately it can happen. Personal Accident Cover will pay out additional compensation in the event of accidental death, loss of sight, loss of limbs and road rage assault. The policy offers £25,000 of personal accident cover for only £19.00 a year. The policy is underwritten by Trinity Lane Insurance

Licence Defence

With access to legal advice when you need it most, and providing help negotiating some of the most complex legal and police paperwork, Licence Defence’s expert team could help any biker to avoid making mistakes while contesting their conviction or fine. To find out more about Licence Defence, and how it could help you for just £19.99 a year, contact our team today on 0800 369 8580

Excess Protection

If you are liable for a claim on your motor insurance policy (including non-fault claims where within 6 months you have been unable to recover your excess from a liable third party), this policy will reimburse any excess you have paid, up to a maximum of £300, £500 or £2,000 (dependent on premium paid) in the event of a claim. Protect your excess today from as little as £37.00. The policy is underwritten by Trinity Lane.

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Better Insurance for Classic Bikes

Zero excess, and I can ride my friends’ bikes!

“When I bought a classic motorbike I didn’t realise I’d have trouble getting the cover I needed. I had always ridden modern motorbikes and regularly took advantage of the ‘riding other bikes’ clause on my insurance – but it seems this cover isn’t available on classic bike insurance. Amazingly, Bikesure gave me this cover, and with a zero excess, all at classic bike insurance rates.”

Sample Quotes

1973 Suzuki GT250

Jeremy is 36 and has always loved classic bikes, so as soon as he passed a fulll bike test, he bought a 1973 Suzuki GT250 for £2,500. He lives in Bridport (DT6) and has a clean licence and will be using his bike for social, domestic and pleasure purposes – he’ll probably be taking it to the seaside on sunny weekends

Jeremy’s fully comprehensive quote is a snip at just £129.44, with third party, fire and theft cover an even cheaper option at £114.80.

1965 BSA Bantam

Ashley is 26 and from Aberdeen (AB15). As a self-certified hipster, he loves the retro styling and classic appeal of the 1965 BSA D175 Bantam, which he bought two years ago, and in its current condition is valued at £3,000. Ashley passed his full bike test five years ago and has a clean licence

His rate is a mere £92.83 for fully comprehensive SD&P cover.

Call today for a quote!

Get a cheaper quote over the phone by speaking to our friendly, expert staff today.

From our Norfolk-based offices, our teams of insurance experts are ready to take your call, and to help you get great cover at a great price.

Just click the callback button and we’ll give you a call at a time that suits you.

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Insurance to ride any bike

Ever fancied borrowing a friend’s or family member’s bike, but been worried that you might not be insured should you have an accident?

With Bikesure’s “ride any bike” insurance, you could add the equivalent of comprehensive insurance to your policy while you ride other people’s bikes – leaving you and the owner safe in the knowledge that you’re covered, whatever happens.

With up to a £10,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let us know every time you borrow a new bike, you’ll be free to hop on and hit the road whenever you like.

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Agreed Value Insurance

Whatever bike you ride, from a scooter to a cruiser, dirt bike to superbike, you want to know that you can claim back the full value of your bike if it’s written off.

With agreed value insurance from Bikesure, we’ll work with you to agree the true value of your bike when you take out a policy, and make sure that you get that sum back when you need to claim – helping you to fund a replacement bike without leaving you out of pocket.

Find out more
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Helmet and leathers

It’s no secret that your helmet and leathers are some of the most important items for staying safe on a bike – and that they can cost hundreds of pounds to replace if damaged.

For just £29.99 a year, our helmet and leathers insurance will cover up to £1,500 in the costs involved with repairing or replacing your leathers and helmet (or £40.00 for £3,000 in costs), including full leathers and other protective clothing, boots and gloves.

With a low £50 excess for each claim, insuring your protective kit could save you hundreds following an accident, and claims on your helmet and leathers policy won’t affect your bike no claims bonus.

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Keycare Insurance

If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Get a Quote

Motorcycle Breakdown

From just £62.00 a year, Bikesure Rescue provides gold-standard breakdown cover for your motorbike, offering 24 hour UK and EU roadside assistance and recovery, emergency accommodation costs, transport home, to a garage, or to a destination of your choice, and even an equivalent hire bike to help you get on your way after a breakdown.

We know that nobody wants to have their plans put on hold by a breakdown, or to be forced to hang around by the roadside for hours facing costly callout charges – so use Bikesure Rescue as your breakdown cover, and get motoring peace of mind at a price that suits you.

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