A classic motorcycle is a vehicle that circulates on public roads and, as such, must always be insured. By the way, your motorcycle is classic if it is over 25 years old.
However, classic cars have some characteristics that make them unique compared to other vehicles:
We tend to travel much fewer kilometers with them than with other vehicles, such as passenger cars or modern road motorcycles.
They almost always sleep safely, since we tend to take care of them more than other types of motorcycles and they are much more "sweet" for thieves.
They are used rarely, and we can usually predict when we are going to drive them, with some advance.
Sometimes they are part of a larger collection of motorcycles. Classic motorcycle fans tend to expand their fleet. Yes, we are, we always want more.
Therefore, their insurance is not the same as for other vehicles. In fact, we can get a much cheaper classic motorcycle insurance taking these factors into account.
Types of insurance for classic motorcycles
In essence, when it comes to insuring a classic motorcycle, and above all, depending on the use that we are going to give it, we will find several options: conventional insurance, insurance for days, and insurance for fleets.
1) Conventional insurance
It is life insurance, with the particularity that the insured product is a classic motorcycle. You can benefit from the fact that you are going to do a few kilometers a year with her and that she will always sleep in the garage.
You will have, as always, the option of hiring roadside assistance. If you are going to use it in a town, it may not be worth it. On the contrary, if you go out on the road, you will know that the classic ones tend to fail often, so it is advisable to have this service covered.
Remember that at least you must have Compulsory Subscription Civil Liability insurance.
There are insurance companies that are specifically dedicated to classic vehicles, know the product and offer better conditions. In addition, you will not have to go crazy trying to find your model in their database. In this modality, we have chosen SegurClassic, which offers us annual insurance for € 60.
2) Insurance for days
It is the best option if you know in advance when you are going to use your motorcycle. For example, if your magnificent Vespa only leaves the garage for the Vespa gathering in the next town, it may compensate you to insure it only that day.
The procedure is very simple, you can ensure your classic in 5 minutes, and you will save a few euros in insurance.
This is also the best option if all you want is to pass the ITV and return it to the garage.
In this case, the best option on the market is offered by SeguroporDias, with insurance from € 13 per day for classic motorcycles. The best: Donkey Motorbikes readers have been given an additional 5% discount.
3) Insurance for classic fleets
If yours is motorcycle collecting, you can benefit from insurance for your entire fleet. This takes into account that you only have two legs, so you cannot ride multiple motorcycles at the same time.
Having all your motorcycles insured will allow you to drive the one you want every day.
Companies like Helvetia offer this service.
Motorcycle insurance comparators
If your thing is to see, compare and decide, the best thing is that you take advantage of the multiple insurance comparators that the internet offers us. Although the best known is Rastreator , we have found Motopoliza , which, in addition to having the Rastreator database, is specialized in motorcycle insurance .
You no longer have an excuse to dust your classic and take it out for a spin. I assure you that later you will not want to return it to your garage.
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