Classic and modern classic bikes… they’re in a class of their own. OK, so ‘modern classic’ sounds strange – we know, but it’s that perfect balance of retro design and state-of-the-art engineering bikers can’t resist. Reliable, but with the unmistakable style of a bygone era, it’s the look of these rides that tugs at our heartstrings.
The protection of a classic motorcycle insurance policy is all part of what gives us riders that rush of adrenaline. At the end of the day, who wants to be stressing about not being covered? Not us, that’s for sure. But don’t panic - that's where Entire Cover comes in!
We’re here to compare quotes from our providers, leaving you to choose cover that works for you and your ride. Maybe you own a Yamaha XSR900, a Kawasaki Z650 RS, or a BSA Gold Star 650 – whatever your ride, we'll aim to get you a quote you're happy with. Now let’s find out how we can try and help you get the right classic or modern classic bike insurance policy.
Frequently asked questions
It's an important distinction, so let's deal with that before we go any further. Our insurance providers class a modern classic as any bike between 10 to 19 years old. Meanwhile, a classic is of a slightly older vintage - 20 to 29 years.
And speaking of vintage, does your ride date back even further than that? Has it been around for 30+ years? Then our providers may be able to offer you a vintage bike insurance policy.
Yes! It's a legal requirement to have at least third-party cover when using a vehicle such as a motorcycle, so insurance for a classic or modern classic bike is a must. If you're caught riding without this, you could receive a fine and have points on your licence - so it makes no sense to take that risk!
The only time you won't need to insure your ride is if you declare it to be off the road with a Statutory Off-Road Notification to the DVLA.
You can get one of three different levels of classic bike insurance in the UK. And you need to make sure you understand the extent of cover you can get for each before deciding which to go for. But don't worry, we've broken them down for you right here.
Third-party insurance
Third-party cover is the minimum level of classic or modern classic bike insurance you can get. This option won't offer protection against damage to your bike. Instead, it's there to cover accidental damage made to someone else's vehicle or property.
Third-party, fire and theft insurance
This is the next level of protection, covering fire damage and theft as well as any third-party damage.
Comprehensive insurance
For more robust protection, you can opt for comprehensive classic motorcycle insurance. On top of what has already been highlighted, you will also be covered for accidental damage to your own bike - even if you were at fault.
We'll compare classic bike insurance quotes from various UK providers, ensuring you have a range of options to choose from. Depending on your insurer's terms and conditions, you could get protection for:
- Any other bikes you own, under a multi-bike policy
- Your no-claims bonus
- Riding in Europe for up to 90 days
Other potential benefits for classic and vintage policies may include:
- Agreed value for free
- Static display cover for shows and events
- Low excess starting from £50
- Cover for club rallies
- Salvage retention
We're aware that when it comes to classic and modern classic bike insurance, you'll want to protect other elements beyond the ride itself. It's important to us that you can customise your policy, and that's why you can add other options, such as:
- Breakdown cover
- Helmet and leathers cover
- Personal accident cover
- Legal expenses cover
A good question, but one that's hard to offer a simple answer to! As with any insurance policy, the end quote will be determined by a variety of factors. Anything from the model to the engine size, and other personal information about the rider, can influence the final price. For instance:
- The age of your ride and whether it is deemed a classic or a modern classic
- Your age and riding experience
- The value of your classic bike
- The level of cover you need
- Previous claims and/or convictions
- Modifications to your classic bike
- Any optional extras added to your policy
- Where you keep your classic bike
- Any security measures you use
You'll receive classic bike insurance quotes from us that have been sourced from a number of UK insurance providers, easing the chore of comparing prices yourself.
There are two payment options available - you can choose between an upfront premium or spreading the cost over monthly instalments. Please note that the second option will mean you'll pay more overall. But don't worry, all the details will be covered when you receive your quote, so you can make an informed decision about how you'd like to pay.
Compare classic motorcycle insurance with Entire Cover
When you compare classic bike insurance quotes with us, you can sit back and let us do all the hard work for you! Enter a few details then we'll show you the options. All that's left is for you to choose the policy that suits your preferences.
It's our job to take the hassle out of finding insurance that ticks your boxes – and that's why we've made comparing quotes with Entire Cover as simple as possible.