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Part of The Ardonagh Group

About Classic Bike insurance


European classic bike cover

Breakdown cover available in the UK and Europe with our additional FJ rescue cover


Cover for your gear

Cover for your leathers and helmet up to a value of £750


Discounts for club members

Special rates available for classic motorcycle club members including VMCC and VJMC

Direct Debit

Pay for your classic bike insurance by Direct Debit

You can split your payments into instalments

Features of Classic Bike insurance

Standard cover

Discounted insurance for classic bike club members

Tell us if you’re a member of a classic motorcycle club and we’ll see what we can do to provide a specialist rate for your cover. We work with a huge number of clubs. Visit our full list of clubs and see if yours is listed. If your club is not listed please do get in touch and we’ll see if we can get in touch with your club and strike up a deal!

Limited mileage policies available

If you only do a handful of miles per year on your classic bike, we can offer you a reduced premium. Our reduced premiums start at 1000 miles or less per year and go all the way up to 10,000 miles per year at which point you’ll need to be part of the VJMC or the VMCC to be eligible for a reduced premium.

Cover for your leathers and other accessories

We provide cover for your accessories as standard. It’s a flat rate all the way up to £750 so as long as the total value of your leathers, helmet, boots gloves and clothing falls below that limit, we’ll reimburse you if they’re damaged whilst you’re using your motorcycle. Please also be aware that there is £25 excess on this policy feature

Add cover or add bikes to your policy

Footman James can tailor your classic motorcycle insurance policy to include extra cover for your extra special bike. Added value covers include; spare parts cover, European motoring cover, ride to work (commuting use) and ‘agreed value’ cover which often means your bike will be insured for a more accurate value based on aspects such as history and added value through restoration. Furthermore, if you purchase more classic bikes while you’re insured with us, you can add them to your policy as you go. When you make a new purchase, simply give us a call and we’ll adjust your policy accordingly.

Classic Bike insurance FAQs


What do you mean by ‘agreed value’?


Agreed value means if your vehicle is lost or totally destroyed, and the value of your vehicle has been agreed, you have the certainty that you will be paid out the amount shown on your policy schedule.

You should be aware that the maximum amount payable by insurers will be the amount shown under ‘Value’ on the Vehicle Details section of your Renewal Schedule, regardless of the market value at the time of the loss.


How many bikes can I cover on my policy?


You can cover as many bikes as you like! You can also add bikes to your policy as you purchase them. Just be sure you phone us to update your policy.


How old does my vehicle have to be to be considered ‘classic’?


Normally 20 years, however this can reduce for certain marques or subject to certain club membership.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0843 357 1354 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim