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Classic motorbike insurance for retro riders.
Some brokers think a Commando is Arnie with a rocket launcher...We know it’s a classic British twin with café racer cool and attitude to match.
What is classic motorbike insurance?
Classic motorbike insurance is like a preservation order for your pride and joy, with added peace of mind. Whether it’s a lovingly restored Norton, a barn-find BSA or a ‘70s Jap legend, classic bikes deserve more than a standard policy.
It’s not just about theft, damage or liability. It’s about protecting the stories, scars and soul of a machine that’s survived the decades and still turns heads. When things go sideways, you want cover that understands your bike’s true value, not just its book price.
That’s why we offer agreed value options, so you know exactly what you’re covered for if the worst happens. No haggling, no undervaluing, just fair protection for your investment.
And because it still needs to be legal on the road, classic motorbike insurance helps keep you compliant while treating your bike with the respect it deserves. Think of it as proper protection for your rolling history.
And if classics aren’t your only ride?
Whether you ride one bike or a whole garage-full, we’ve got cover that fits. Use the links below to explore the full range of specialist products we offer:
Motorbike insurance where size doesn’t matter
Multi bike insurance for garage hoarders
Classic motorbike insurance for retro riders
Trike insurance for three-wheeled warriors
Custom and modified bike insurance for the tweaked, tuned and totally unique
Scooter and moped insurance for urban zippers
Why choose BeMoto for you classic motorbike insurance?
At BeMoto, we know no two riders are the same. That’s why our motorbike insurance is built to fit your world, with flexible policies you can tailor to suit your bike, your mileage and your budget. We search our trusted panel of insurers to find you cheap motorbike insurance without skimping on cover, so you get great value without compromise. Add in multi bike discounts, no fees for changes and award winning service, and you’ve got the BeMoto difference.
Multi bike discounts
Cover your collection with a multi bike insurance policy to save time and money..
No amendment fees
Avoiding unexpected fees means more cash to spend on upgrading your gear!
Award winning service
We’ve been awarded Feefo’s Platinum Trusted service award five years in a row.
More reasons to insure your classic motorbike through BeMoto
When you insure with BeMoto, you’re getting more than just a policy. Our Titanium motorbike insurance comes fully loaded with UK & European breakdown assistance, cover for your helmet and leathers, and personal accident insurance as standard.
Want even more peace of mind? You can bolt on extras like Excess Contribution and Licence Defence for added protection.
Plus, with 24/7 claims support, UK-based call centres, prize giveaways, and exclusive perks, we’re here to look after bikers like no one else and help to fuel your passion.
UK call centres
24/7 claims support
£100k legal expenses
Modifications cover
90 day riding in Europe cover
Personal injury insurance*
Full breakdwown assistance*
Helmet & leathers insurance*
Licence defence insurance*
Excess contribution*
Offers & discounts
Prize giveaways
*Helmet & leathers cover, breakdown assistance, and personal injury insurance are all included as standard with our Titanium motorbike insurance (our most popular option). Excess Contribution cover and Licence Defence are available as optional extras.
What types of classic motorbike insurance do we offer?
Choosing the right level of motorbike insurance isn’t just about ticking a box, it depends on what you ride, how you ride, and what you want covered if things go wrong.
There are three main types of cover: Third Party Only (TPO), Third Party, Fire & Theft (TPFT), and Comprehensive. Each offers a different level of protection, from the bare legal minimum to full-fat, top-shelf peace of mind.
Here’s what each one actually means, no jargon, no faff.
Third Party Only (TPO)
Third Party Only (TPO) cover is the minimum insurance required by law to ride or park your bike on the public highways. It provides liability insurance for injury to other people or damage to their property caused by your motorbike.
Third Party, Fire & Theft (TPFT)
Third Party, Fire & Theft (TPFT) provides the same liability cover required by law as TPO, but also benefits from fire and theft cover too. It’s the middle ground between TPO and Comp, however it does not provide cover for accidental damage to your motorbike that is your fault. If you’re hit by a third party you can claim from their insurance.
Comprehensive Motorbike Insurance
Comprehensive motorbike insurance covers all the stuff provided by TPO and TPFT cover, as well as accidental damage to your motorbike. If you’re hit by a third party you can claim from their insurance directly, or you can claim from your policy and wait for the insurer to recover their losses.
How can you get cheaper classic motorbike insurance?
Want to keep your premium low without compromising on cover? These are some of the key factors that influence what you pay:
- Bike type and engine size: The faster or more desirable the bike, the more it usually costs to insure.
- Your age and experience: Newer or younger riders tend to pay more, while experienced riders with clean records are rewarded with lower premiums.
- Where you live and store your bike: Bikes kept in secure garages in low-risk areas usually cost less to insure than those parked on the street in busy urban zones.
- Annual mileage and usage: The more you ride, especially for commuting, the higher the risk—occasional or leisure riders may pay less.
- Security features: Alarms, immobilisers, trackers and secure locks can all help bring the price down.
Want a handful of quick tweaks that could actually make a difference? Check out our blog post: How to get cheap motorbike insurance: 9 smart ways to save for smart tips like adjusting your excess, protecting your no-claims discount, and being realistic about your mileage.
Classic motorbike insurance recommended by over 98% of our customers
With 16,000+ reviews across the web, we don’t need to blow our own trumpet, our customers do it for us. Rated 4.9 out of 5 on Google, with 98% of reviews giving us a big thumbs up.
Frequently asked questions about classic motorbike insurance.
What is considered a classic motorbike for insurance purposes?
For classic motorbike insurance, most insurers define a classic as a bike that’s at least 20 years old with historical, collectible, or sentimental value. Whether it’s a vintage Norton, a retro Honda, or a custom rebuild with character, it could qualify for specialist classic motorbike cover.
Do I need classic motorbike insurance if the bike isn’t being ridden?
Yes. Unless your bike is officially declared SORN (Statutory Off Road Notification), it legally needs to be insured. Even when it’s parked up in the garage, classic motorbike insurance can protect it against theft, fire, accidental damage, and more.
Can I get agreed value with classic motorbike insurance?
Absolutely. One of the key benefits of classic motorbike insurance is the option for agreed value cover. This means you and the insurer agree on what your bike is worth up front, so there’s no haggling or guesswork if it’s written off or stolen.
Is classic motorbike insurance cheaper than standard cover?
In many cases, yes. Classic motorbike insurance is often cheaper because classic bikes tend to be ridden less frequently, kept in good nick, and owned by experienced riders. With limited mileage policies and the right storage conditions, premiums can be surprisingly low.
Can I use my classic motorbike as a daily ride?
You can, but classic motorbike insurance is usually designed for occasional use, like weekend rides, rallies or shows. If you plan to use your classic every day, a standard motorbike policy might be more suitable. Otherwise, enjoy the perks of specialist cover for your pride and joy.
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