Find Insurers Who Specialise In Classic Motorbike Insurance

If you own a classic motorbike, then just like classic cars

, you should find an insurance company that specialises in policies for classic vehicles. Most people who buy vehicles that are regarded as classics do so because they like the style and the era and the kudos that goes with owning one.

Some people rarely ride their motorbikes because they are afraid they might be involved in an accident that would wreck the look of their bike.

When you start looking for insurance you should try and find an insurance company that deals specifically in classic motorbike insurance policies. A specialist policy may cost you more but it will be easier to insure with some companies than with others.

Not all insurers are happy providing policies to owners of classic vehicles because studies show that these are often targeted by particular types of road users. A classic motorbike is more likely to get stolen because these bikes are often more valuable than their more ordinary counterparts.

Your bike is probably your pride and joy and the last thing you want is to have it under insured. One of the reasons that classic vehicles are more expensive to insure is because the parts are often hard to come by and can be very expensive. If your bike is more than fifteen years old then an insurance company will probably regard it as a classic bike for insurance purposes.

One of the reasons it is best to find a specialist insurer is because classic bikes are all different and therefore will require different policies. You need to make sure that your bike is not undervalued for insurance purposes or you may not have sufficient cover if something happens.

The price you pay for your insurance will vary depending on the actual make of the bike and how old it is. The older your bike is the harder it will be to source replacement parts if it breaks down or if you are involved in an accident. You should do all that you can to keep your insurer happy, your policy will be more expensive if you leave your bike parked out on the street. You'll probably save yourself some money if you can reassure the insurance company that your bike is safely locked away at night.

It is a good idea to shop around for your insurance to start with some companies will deal with all kinds of vehicles including classic bikes, while others may specialise in certain types of vehicle.

There are other factors besides the fact that you have a classic vehicle that will impact on your premiums and those are the amount of mileage you average each year and where you ride your bike. Mileage is taken into account because of the wear and tear on a vehicle as this could make it more. Some areas are regarded as accident hotspots and if you drive in those areas on a regular basis it will affect what you pay for your classic motorbike insurance.

by: Tom Jones

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