What is classic motorbike insurance?
Classic motorbike insurance is a specialist policy. It covers vintage and classic motorbikes. Your motorbike will need to be a special bike that collectors might be interested in.
Our partner, Hagerty, understands that your bike is more than just a way to get from A to B – they’re here to protect what matters most to you. They offer full cover, third party, fire and theft or third-party cover.
Does my motorbike qualify for classic insurance?
Of collectible interest
Your vehicle must be a special collectible. It needs to be kept for personal use, and not for business.
Only used as a second vehicle
This means it shouldn’t be your main vehicle. It also shouldn’t be driven over 5,000 miles a year.
Kept in a secure location
It should be parked in a garage or on a private driveway, not on the road.
What’s included in your cover?
Covered
Hagerty cover up to £20 million for property damage. There is no limit for death or injury.
If the glass in your windows or sunroof gets damaged, Hagerty cover the cost. If your vehicle was made after 1990, we can cover up to £1500.
Hagerty cover up to £500 for loss or damage to personal items in the vehicle you’ve insured. The damage must be caused by accident, or by a fire, or by someone stealing your items.
If you lose your personal registration plate, Hagerty will give you up to £5000 towards the cost.
Not covered
Loss of use of the insured vehicle, or any indirect loss.
Damage to tyres caused by braking, punctures, cuts or bursts.
Loss or damage from wear and tear or breakdowns. Nor can we cover problems caused by the vehicle’s electrical or computer systems.
The information above is based on policies from Aviva. Please make sure the cover levels in your policy meet your needs.
Benefits included as standard in your cover
There are several benefits included in your standard cover, giving you the peace of mind you need.
RAC Breakdown Cover and recovery
RAC Breakdown Cover and recovery gives you peace of mind if your classic motorbike breaks down.
Legal expenses
You'll get help with legal expenses, making sure you have the support you need if you ever require legal assistance. Whether it's a dispute or a claim, you can rely on expert help when needed.
Agreed value insurance
Your classic motorbike is fully covered for its complete value, giving you the confidence that it’s protected no matter what happens.
Salvage retention
If your vehicle is damaged in an accident, you can keep it. This allows you to repair or restore it, so you can continue to own and care for your vehicle.
What’s the cost?
Classic vehicle insurance could work out cheaper. Insurers may see you as lower risk because the car is driven less, well maintained, and often kept in a secure garage. The cost of insuring your classic motorbike depends on:
✓ Where you live
✓ The car’s value
✓ How often you drive it
✓ Where it’s kept
✓ The vehicle’s year, make, and model
✓ Yearly mileage
✓ Your age, driving history, and any past claims.
To find out how much your vehicle might cost to insure, you can get a quick quote online.
Why choose RAC Classic Motorbike Insurance?
Full cover protects your classic bike from accidents, theft, and damage. You can relax, knowing you're fully covered.
You’ll get up to £100,000 for legal costs if you make a claim. This gives you financial support and peace of mind.
Hagerty will cover your motorbike’s full agreed value. This protects the full worth of your classic bike.
A brand you can trust
Our partner Hagerty is the UK’s top classic car insurance expert. They have a rating of 4.6 on Trustpilot. This is based on over 8,000 reviews (data accurate as of December 2024). And the RAC has over 125 years’ experience. So, you can be sure that your classic vehicle is in good hands.
Do you need special classic cover?
Hagerty has lots of kinds of classic vehicle insurance to fit your needs.
Still not sure? Find answers to your questions.
Classic motorbike insurance is worth it. It offers specialist cover for classic motorbikes. It takes into account the motorbike’s value and how you use it.
As a classic motorbike owner, you likely drive less miles at slower speeds. You might also keep your bike in better condition. This means your insurance is often cheaper because you’re seen as a lower-risk driver.
Getting classic motorbike insurance is quick and easy. You can get an online quote.
Some insurers won’t cover your vintage or classic car if you’ve changed or modified it. Our partner, Hegarty Insurance, might cover your classic car or vehicle even if you’ve changed it. You can contact Hagerty to find out if they can help you get cover.
Classic motorbike insurances often gives you cover for special uses. This includes car shows, rallies on public roads and car trials. It usually doesn’t cover you for events like speed trials, racing, time trials, and track events.
Hagerty’s classic motorbike insurance gives you lots of helpful benefits. RAC Breakdown Cover is included with all different types of insurance. You also get extras like getting your vehicle picked up if you break down and money towards legal costs. You may also be able to keep your car after it’s been damaged in an accident.
It's also often cheaper. As a classic vehicle owner, you probably drive fewer miles at slower speeds. You might also keep your car in better condition and store it more securely. This means you’re seen as a lower-risk driver and your insurance may be cheaper.
