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Our classic motorcycle insurance provides insurance for your classic motor bike. We can insure your classic motorcycle providing it is at least 20 years old and you can limit the mileage on the motorcycle and you are a UK resident. The motorcycle must not be your main mode of transport. No quote if track days or speed events.
The maximum annual mileage must not exceed 5000
The motorcycle must not be your main mode of transport
The motorcycle must be kept in a locked metal/brick garage at the home address when not in use - garden sheds etc are not acceptable.
Up to 4 riders only, aged between 30 and 69 with a full bike license for 1+ years and UK residence for 3+
Use is restricted to Social, Domestic & pleasure including shows and events. Commuting is optional.
Comprehensive cover (maximum value £12,000) or TPF&T (Maximum value £5,000)
Cover subject to a satisfactory proposal form and referral to company.
Agreed value available. Four Photos and Purchase receipt required.
Certain occupations are unacceptable - as are then unemployed on this scheme.
NB. Our insurance policy is intended for people who wish to insure their motor cycle as a classic. This does not mean that just because a motor cycle is old it should be insured as such.
(You are reminded of your obligation to declare all material facts when applying for a contract of insurance. Failure to do so can result in you not being protected should you need to make a claim. Examples of material facts for motorcycle insurance are: vehicle modification, driving record of all drivers, occupations of all drivers and if insurance has been declined, cancelled or special terms applied)
All drivers must be between 30 and 69, inclusive, have full UK driving licences for at least a year, be permanent residents in the UK for the last three years. Must not be (or, if unemployed previously been connected with) Amusement arcade owner/ employee, artist, caravan dweller, casino employee, [doorman, bouncer, night security on licenced premises], entertainment industry (dance, television, film, theatre), horse jockey/ trainer or the like, be in the [licenced trade/ licensee/ publican or employee], market trader, model, musician, National newspaper journalist/ photographer, Nightclub owner/ employee/ dancer, offshore gas/oil rig employee, professional sportsman, road worker/ ashphalter, scrap/ general dealer/ merchant or under 45 with no occupation.
No driver must have any disabilities/ medical conditions, had insurance declined, refused or special terms imposed or had any conviction within the last 10 years incurring a ban of 3 years or more.
There must be a maximum of one (fault/ non fault/ non recoverable) claim in the last three years totalling less than £5,000 (including payments to other people) and the claim must not involve personal injury, malicious damage or vandalism.
There must be a maximum of : 1 CD10-CD30 (3 years) OR 1 DR10 - DR70 ( 5 years) OR 1 IN10 OR up to 2 of CU, MS10-MS30, MW, PC, PL,SP,TS convictions.
Other convictions over three years ago can be ignored OTHER than DD20-40, DR80-90. Ignore 'spent' convictions.
The bike may only be used for pleasure and travelling between home and permanent place of business providing no business calls are made during the journey.
The bike must be garaged in your own garage. This does NOT mean garden sheds and the like!
(We may be able to quote if you cannot meet the above, but the risk will have to be referred to underwriters).
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We can help you with your motorbike or motor cycle insurance if you call us on 0870 7456247