Insure your vintage motorcycle

Insure your vintage motorcycle It's not an option, it's an obligation. You must be the owner to know the value of such a piece of jewelry. And then understand why insurance is the best way to protect it.

Therefore, the question is not whether you need to insure your collector's motorcycle, but how to know what type of insurance you should take in order to have the best guarantees and the most suitable coverage.

Do you own a motorcycle over 30 years old? Does she have a vintage motorcycle registration card? Find out everything you need to know to get it insured.

Why insure your vintage motorcycle?

First of all, it should be remembered that each owner is connected legal requirement insure your car from the moment of landing and with the engine. In other words, vintage or not, the driver must insure his car if he wants to be able to ride with it. Insurance is required even if the vehicle in question rarely leaves the garage or almost never drives.

Therefore, the question does not arise: it is necessary to issue a motorcycle cash-in-transit insurance. On the one hand, because the law requires it, but also because driving without insurance is very dangerous both for the driver, for the motorcycle itself, and for other passengers on the road.

Thus, in the event of accidents, in accordance with the signed guarantees, you will be able to get a good coverage of the costs incurred by the third party and / or your machine.

Vintage motorcycle insurance: which insurance to choose?

To insure your collectible motorcycle you will indeed have a choice between two types of formula: classic motorcycle insurance and collectible motorcycle insurance /

Insure your vintage motorcycle with classic insurance

Contrary to popular belief, you don't need to take out special insurance to cover your vintage motorcycle. It is quite possible to take out a very simple motorcycle insurance.

The conditions will be the same as for a classic motorcycle. The amount of the premium will depend on the guarantees you take. You will have a choice between:

• Third party formula, which will allow you to take advantage of the basic guarantees, that is, assuming responsibility only for costs incurred to eliminate damage caused to a third party. This formula might work if you rarely travel with your vintage motorcycle.
• Intermediate formulaallowing you to benefit from additional safeguards such as fire or theft coverage in addition to civil liability.
• All Risk Formulawhich will allow you to enjoy full coverage, including coverage for damages caused to a third party as well as damages that you have suffered, regardless of whether you are responsible for the accident.

Insure your vintage motorcycle with special insurance

As mentioned earlier, classic motorcycle insurance is optional. But it is nonetheless recommended. There really is no such thing as a contract that exactly and precisely matches a specific need. Collector motorcycle insurance is more of a consideration for anything that might affect a collector's motorcycle, more suited to the item you want to insure. By choosing this formula accordingly, you can be sure that you will enjoy personalized offer.

Collectible motorcycle insurance, despite this, is inexpensive, contrary to what one might fear. Insurers are indeed less suspicious of older motorcycle owners. The fact that they have a car that is several decades, even thirty years old, and this is in excellent condition, proves that they are careful, take good care of their property and do not use it often. Result: This is why insurers often offer more than reasonable price for the best compensation.

Criteria to be met in order to insure a vintage motorcycle

To be able to take out insurance for a classic motorcycle, the owner must meet the following conditions:

• He must be over 21
• He must have a motorcycle license for 3 years.
• He should not have been involved in a traffic accident for at least 2 years.
• The damaged motorcycle must be at least 10 years old.
• He should not use the collector's motorcycle as his primary means of transportation and transportation. So ideally he should have another car for this use.

Some insurers also require availability of a registration card for collection.