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Classic Bike Insurance

Get classic bike insurance from Devitt today. We'll compare prices from leading UK motorbike insurers to find you the best deal, no matter which classic bike you ride. Enjoy 90 days of full EU cover, a 24/7 claim service, and unique discount codes when you choose us.

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Call for a Classic Bike Insurance quote today0345 872 3614

The perks of Devitt’s classic bike insurance

  • Agreed value options for your classic or modern classic bike
  • 10% unique discount code for Sportsbikeshop
  • 24/7 hassle-free UK based claim service
  • Tailor your classic bike insurance with optional extras
  • Additional discounts for advanced training, secure parking, limited mileage and security systems

Getting the best Classic Bike Insurance

Classic Motorbike & Moped Insurance

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If you’re reading this, there’s a good chance that you already have a classic motorcycle or moped, or are considering acquiring one, and wish to know more about the process of insuring it.

The great news is that if you are indeed on the lookout for classic motorcycle insurance, you have come to the right place in Devitt.

We are a renowned broker, covering a wide range of needs when it comes to motorcycle insurance. This means we can draw upon our network of represented insurers, to help make sure you benefit from the best possible policy for your practical requirements and budget.

How does classic motorcycle insurance differ from standard motorbike cover?

Certain things about classic motorbike insurance are quite different to the situation for standard motorcycle cover, not least because the bikes themselves are different, but also because they tend to be treated quite differently by their owners.

For one thing, if you own a classic motorcycle, you probably don’t ride it every day for the office commute or to the supermarket. Instead, if you’re anything like many owners, you probably take an exceptionally high level of care over your classic bike, and might only ride it for special trips, or not ride it at all.

These differences mean that insurers tend to offer specialist classic motorcycle and moped policies, designed around the preferences and needs of those who own these very special bikes.

But is my motorbike a classic?

Defining bikes as ‘classic’ can vary from insurer to insurer, but generally, it depends on:

  • Age: Most bikes are considered classic after 20 years, though this can change depending on the insurer. Some might say 15 years, while others might require 25 or even 30 years.
  • Brand: Well-known brands with a storied history, like Harley-Davidson or Triumph, often produce bikes that are considered classics.
  • Rarity: If a bike was made in limited numbers or is hard to find today, it’s more likely to be considered a classic.

Still scratching your head? Give us a quick ring. We can help you find out whether you’re eligible for classic bike insurance.

Why is classic motorbike insurance a good idea?

For one, you’re legally required to have at least third-party insurance if you drive a classic motorbike. You get this with classic motorbike insurance, but it also goes a step further by offering specialised protection.

With it, your bike can be covered for its rare and hard-to-find parts, so that replacements maintain their original integrity. It can provide access to specialist mechanics who know exactly how to handle and restore classic models. Plus, with agreed-value cover, you’re promised a fair payout that reflects the true worth of your bike in case of loss or damage.

Classic bike insurance can cover where your bike might be damaged or lost during transportation to events, shows, or when moving it between locations. If you store your bike for extended periods, classic bike insurance can also cover potential risks like fire, flooding, or other damage that might occur while it’s in storage.

How much does classic bike insurance cost?

There isn’t one set price for classic bike insurance. Instead, how much you pay will depend on:

  • How rare your bike is: If your classic bike is a rare or limited-edition model, it could be more expensive to insure. Rare bikes usually have higher values and can be harder to repair or replace, which can lead to higher insurance premiums.
  • Your age: Younger or less experienced riders may face higher insurance costs, while older, more experienced riders might receive lower rates.
  • Where you live: If your bike is kept in an area with a higher crime rate or in a less secure location, it may be more expensive to insure than bikes stored in safer, low-risk areas.
  • How much you ride: If you ride your classic bike often, you might pay more for insurance than someone who rides less frequently. That’s because lower mileage generally means a lower risk of accidents.
  • Your insurance excess: The excess is the amount you pay out of pocket before your insurance kicks in. For classic bikes, this amount can vary. Choosing a higher excess might lower your premiums, but you’ll need to pay more if you make a claim.
  • Your driving record: Your insurance could be more expensive if you have a history of accidents or traffic violations. A clean driving record can help keep your costs down.

Your policy features with Devitt  

We know you’re after cheap classic bike insurance that will provide robust cover. That’s why we work with many of the UK’s trusted insurers so that you can create an affordable policy that’s ideal for your needs. But that’s not all—we also offer the below benefits too:

  • Affordable classic bike insurance: We compare prices to get you the best deal.
  • Agreed value options: Protect your classic bike’s true value.
  • 24/7 UK-based accident helpline: Get help anytime you need it.
  • Customisable cover options: Add extra cover options to suit your needs.
  • Multi-bike cover: Insure all your classic bikes under one policy.
  • Exclusive offers and discounts: Enjoy special deals and savings.
  • Insurance for modifications: Cover your bike’s custom features and upgrades.

Any other reasons to choose Devitt?

We’re the go-to experts for classic bike insurance, so you can count on us to find you the right cover. We know just how important your ride is, so we take the time to understand your needs and get you the best cover at affordable rates. We’ll help you compare and purchase cheap classic bike insurance that keeps you safe on the road.

  • Great prices: Get comprehensive cover without breaking the bank.
  • 24/7 claim line: Report claims anytime with our round-the-clock helpline.
  • Instant documents: Receive your insurance details right away.
  • Fast service: Enjoy quick and efficient service every time.
  • Friendly UK support: Talk to our helpful and knowledgeable UK-based team.

To get a quote for your classic bike, fill out our online form or call 0345 872 3614.

FAQs about Classic Bike Insurance

Still need some help? Take a look at our help and FAQs here...

When does a motorcycle become a classic bike?

It can vary from insurer to insurer but generally your motorcycle will be considered a classic bike after 20 years; some underwriters will consider it a classic bike insurance policy for a bike that is 15 years old but others go as high as 25 or 30 years.

Although age is an important consideration, it must also be pointed out that a classic motorcycle doesn’t simply mean an old model. To be worthy of classic status, the bike needs to have demonstrated over a reasonable amount of time that it can stand on its own among the countless types of motorbikes that have and are being produced.

What does a classic motorbike look like?

In terms of construction, a classic motorcycle should feature simple aesthetics and elements that can be easily traced back to the origins of these machines. Classic motorbikes might have an incredibly long history, but it’s characteristics such as air-cooled, two-cylinder engines, single headlights and double supports on the rear wheel that are the more typical hallmarks of classic models.

Appearance is another important element. Classics tend to have the simple lines and looks that are found on many post-World War II motorcycles.

More than anything else, classic motorbikes are those that have achieved a cult or iconic status. They stand out from the crowd because of their design quality and popularity with riders due to their excellent construction and performance.

Classic models are revered by enthusiasts as they are seen to have been fantastic machines in their heyday.

Restoring and maintaining a classic motorbike is a passion for enthusiasts rather than just a hobby. Not only can you get hours of joy in working on your machine, but you can also go up and down the country for riding events to show off the fruits of your labour. Additionally, the value of classic motorbikes holds up well, so the time and money you spend on them can be considered an investment rather than an expense.

Can Devitt offer the best Classic Bike Insurance for me?

Devitt can offer the right type of classic motorcycle insurance for your classic bike as well as provide you with that extra peace of mind with our additional products.

You’ve spent hours restoring your pride and joy, but sometimes accidents can happen – that’s why we provide you with a range of additional products that can top-up your cover, like; RAC breakdown to help you get back on the road in the event of a breakdown, Personal Accident cover including helmet and leathers, as well as Legal Expenses cover.

Classic bikes can come in various styles by various manufacturers. Check out our list below:

  • Triumph T120 Bonneville
  • Triumph Tiger Cub
  • Harley-Davidson WL 1950
  • BSA A10 Gold Flash
  • Yamaha XT500
  • Royal Enfield Crusader
  • Norton Commando
  • Norton Commando MK3 Roadster
  • Suzuki SP370
Are older motorcycles cheaper to insure?

Older motorcycles do tend to be cheaper to insure. Classic policies may be cheaper than a standard motorcycle insurance policy, as you usually have a lower mileage and most likely wouldn’t use it as much standard for everyday use. This makes them seem lower risk to an insurer. A bike that is a few years older may be cheaper to insure than a brand new bike, as value tends to depreciate and they can become less attractive to thieves. However, how much a policy costs for any bike does depend on a number of different factors of the rider and the vehicle.

What information do I need for my Classic Bike Insurance quote?

Getting a quote couldn’t be easier, especially with Devitt dealing with motorbike insurance since 1936 – we sure know our stuff! You’ll just need a few bits of information to hand, including:

  • Details of your bike
  • Your annual mileage
  • Your current No Claims Discount
  • Any convictions or accidents
  • Your occupation
  • Your location
Is classic motorbike cover more, or less, expensive than standard motorcycle insurance?

Although as a general rule, older bikes tend to be cheaper to insure than newer ones, this is because of the reduced value of such older motorcycles, which would mean the insurer not having to pay out as much to effectively replace it.

Motorcycles that are considered classic, though, are in a separate category altogether.

However, classic motorbike insurance can still often be cheaper than standard insurance, because classic bikes represent a lower risk, statistically speaking, to insurers. They are normally owned by older and more experienced riders, for example, and don’t tend to travel as many miles as non-classic bikes. These factors can all help drive down the risk, which can translate into cheaper cover.

Would insurers actually consider my motorcycle to be a ‘classic’?

This is a great question to ask, as even motorcycle enthusiasts can disagree on what exactly constitutes a “classic”, and it’s much the same for insurance providers.

Motorcycle enthusiasts often debate the definition of a classic motorcycle. Some focus on the age of the bike, while others look at the style of the motorbike itself. Still, purists consider the bike’s place in history as an important consideration.

Taking into account the many different opinions as to what exactly constitutes a classic motorcycle, it seems that age, appearance, status of the motorcycle and its construction are all important factors in determining whether the model can be deemed a vintage.

Whatever the age of your classic bike, we can provide agreed value insurance for your classic bike to make sure it’s properly insured.

As stated above, we provide access to a range of deals from various insurers here at Devitt. So, some of the insurers that we represent might consider a motorbike to be “classic” once it reaches 15 years old, whereas for others, the threshold might be 20 years or 25 years.

Adding further to the complexity, some motorbike insurers even offer “future classic” policies, which are designed to cover bikes expected to become classics in the years to come.

Such diversity in the market for classic motorbike and moped insurance is one reason why you might choose to turn to Devitt for your next motorcycle insurance policy, instead of approaching insurers individually.

After all, the latter approach could make for a time-consuming process. Seek out such cover with us, though, and we can quickly whittle down your options in line with your specific requirements, so that you can find the most suitable policy just as fast.

What types of classic motorbike cover are available?

Below are typical types of classic motorcycle insurance that we can make available for you at Devitt:

  • Third-party-only cover, which is the minimum legally required level of insurance for a motorbike; it covers the rider for claims against them when they are found to be at fault
  • Third-party fire and theft cover, which covers for third-party claims, as well as situations where the policyholder’s bike sustains damage due to fire or theft
  • Comprehensive cover, which not only protects against the aforementioned third-party claims and fire and theft, but also represents the most comprehensive form of insurance for a motorcycle, paying for the repair or replacement of the insured bike if it is involved in an accident.

As we mentioned above, there can be a particular complexity to classic motorcycle and moped cover. This can include some owners seeking out certain popular extra elements of coverage.

These extra elements of protection could include events cover if they wish to take their bike to rallies or trade shows, and/or international cover for taking their bike abroad. Modifications cover is also often sought-after by owners of classic motorbikes, given the tendency for such bikes to be frequently modified.

Whatever questions or concerns you might have in relation to insurance for your classic motorcycle or moped, there really is no need to look further than Devitt for the right policy for you.

How can I get a Classic Bike Insurance quote?

You can get a quick online quote, or contact one of our friendly insurance advisors on 0345 872 3614 for a quote over the phone.

Why Insure your Classic Bike with Devitt?

We've been motorcycle insurance specialists for over 80 years but you'll also get...

Cheap prices

We compare prices across our panel of insurers to find the best classic bike insurance quote for you

24/7 Claim Line

Fast and hassle-free claims service from our 24/7 UK-based accident helpline

Docs sent immediately

We send your insurance documents straight away by email. Get everything you need in minutes.

No long wait times

We don’t leave you hanging around on the phone waiting for us to pick up.

Or

Call for a Classic Bike Insurance quote today0345 872 3614

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Our reviews

Don't just take our word for it, read some of our latest reviews...

December 11, 2024StarStarStarStarStar

Many thanks it was wonderful talking ng 2 u & 1600…

Many thanks it was Speaking 2 u & taking out the insurance for my bikes… Very much appreciated 🙏🙏🙏🙏🙏

- Vijayjeet69 Singh

December 10, 2024StarStarStarStarStar

Very Professional Service.

I was having trouble finding insurance for my motorcycle. The person from Devitt I spoke with helped me find a policy which suited me. They were very helpful and professional…

- Judah

December 10, 2024StarStarStarStarStar

Was quick and easy good price good…

Was quick and easy good price good service very happy to use and recommend you to others

- David Law

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