Your motorcycle needs to be built at least 20 years ago to qualify for our classic motorcycle insurance scheme.

This age threshold ensures your bike has genuine classic status and the specialist features included in our scheme (agreed value, salvage retention, spare parts cover) are appropriate for your machine.

Classic motorcycle insurance has been designed specifically for bikes with heritage and value:

• Agreed value cover (not depreciating market value)

• Salvage retention so you can keep your bike if written off

• Spare parts cover protecting your accumulated components

• Modifications accepted as part of classic ownership

• Limited mileage options for bikes that aren't daily riders

• Understanding of restoration projects and show bikes

Standard motorcycle insurance typically offers market value compensation and doesn't include these specialist features

You can insure a classic motorcycle on a standard policy, but you'll miss out on the protections that matter for classic bikes.

If your bike has been restored, modified, or is increasing in value, agreed value cover ensures you're not under-insured. Salvage retention means you can keep the remains if written off. Spare parts cover protects your investment in hard-to-find components.

For heritage bikes that are projects or investments, classic insurance provides the right level of cover.

To get a quote, you'll need:

• Your bike's registration number or details (make, model, year)

• Your bike's agreed value or what you believe it's worth

• Details of any modifications or restoration work

• Your riding licence details and how long you've held it

• Your postcode and where the bike is stored (garage/shed details)

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand - request a callback and we can help you through the quote.

Agreed value cover means we agree on your bike's value at the start of your policy.

For most classics, values are auto-agreed within our parameters based on your bike's make, model, year and condition. For non-standard valuations (fully restored bikes, rare models, or bikes with significant modifications), our underwriter reviews the value and agrees it with you directly.

If you make a total loss claim, you'll receive the agreed amount - not a depreciated market value that doesn't account for your restoration work, time, and investment.

Salvage retention means that if your classic motorcycle is written off, you'll be offered both a financial settlement and the option to keep your bike's salvage.

This is particularly important for classic owners who want to:

• Keep rare or original parts for another project

• Rebuild the bike over time

• Retain the frame and matching numbers

• Not lose components they've spent years collecting

You'll receive a settlement minus the salvage value, and you keep the remains of your bike.

Salvage retention is included as standard in our classic motorcycle scheme. If your bike is written off, you'll automatically be offered the option to retain the salvage.

Spare parts cover protects the additional parts and components you've accumulated for your classic motorcycle.

This cover is included within your agreed value (there's no separate limit). It protects things like spare engines, panels, original parts, period accessories, and components you're storing for future use or ongoing restoration.

Yes. We understand that classic motorcycles are often modified - whether restored to original specification, tastefully upgraded, or customised.

You need to declare all modifications when getting a quote and throughout your policy. We assess each bike individually to ensure you get the right cover.

If you're in doubt about whether something counts as a modification, please ask us.

Yes, we can insure classic motorcycles undergoing restoration as well as fully roadworthy machines.

Whether you're in the middle of a ground-up rebuild or doing running restoration, we can provide cover. You'll need to declare the bike's current state and value when getting a quote.

This depends on the build. We assess custom classics on a case-by-case basis.

If you've built or heavily modified a classic motorcycle, call our team on 01379 646 529 to discuss your bike and see if we can provide cover.

Yes. Multi-bike policies can include both classic and modern motorcycles.

Call our team on 01379 646 529 to discuss combining your bikes on one policy.

Yes, we're based in Diss and Thetford, Norfolk. Having a UK-based team means you're speaking to people who understand UK roads. We’re also around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year. It's run by Lancaster Gate Assistance.

So whether you've had an incident at 3am on a Sunday or need to make a claim on Christmas Day, you can get through to someone straight away.

We've been insuring motorcycles for over 25 years.

In that time, we've built expertise in classic bikes, alongside modern motorcycles, learner riders, and other specialist schemes. That experience means we understand what classic owners need from their insurance.