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Classic Motorcycle Insurance

Insurance that covers your classic motorcycle(s) on the journey from dream to reality, with specialist benefits as standard that our customers really appreciate.

Benefits that come as standard: 

Cherished salvage
Free and automatic return on all motorcycles over 20 years of age. Most competitors only offer you the option to 'buy back' your salvage. So, with RH Specialist Insurance you will receive your insurance settlement and your salvage, free of charge.

UK & European accident & breakdown recovery
All policies come with UK & European accident & breakdown and recovery, including home service, as standard.

European cover
you are automatically covered for up to 90 days in any one trip.

Rallies cover
automatic cover included for club rallies.

Dismantled parts
covered up to the value of the motorcycle subject to being kept in a locked garage or building.

Personal accident
covered up to the value of £5,000 for death and £2,500 for loss of limb or permanent blindness in one or both eyes while travelling in or on any private vehicle.

Personal belongings
covered up to the value of £150.

Medical expenses
covered up to the value of £500 for each person who is injured whilst they are travelling on your motorcycle as a result of an accident involving your motorcycle.

‘Agreed Value’
automatic for motorcycles valued up to £3,000. Optional otherwise - see below.

Classic Motorcycle Insurance

To make sure that your policy is relevant to your motorcycle and your circumstance we offer these additional benefits as options.

Options for you to tailor your policy:

Multi vehicle
Combine your classic, specialist and modern vehicles onto a single insurance policy, saving time and money.

Limited mileage
The fewer miles you travel in a year, the less you pay.

Laid up
Is your classic taking a break or awaiting restoration? This cover applies whilst your motorcycle, and its accessories and spare parts, is kept in a locked garage or building. Cover also applies whilst your motorcycle is temporarily out of storage (i.e. whilst you are exhibiting it or having it repaired in the UK) and whilst in transit to or from the exhibition or repairer's premises. The ‘Agreed Value’ option is available on all laid up policies. Cover will not be in force if the motorcycle is ridden under its own power. An added benefit of our laid up cover is that you can increase the value of your motorcycle as and when required, without being charged a broker administration fee!

‘Agreed Value’
We will typically request 2 photographs if the motorcycle’s value is above £5,000. Generally there is no need to supply photographs if the value is below £5,000. In certain situations we may require a club or independent valuation. The motorcycle needs to be kept garaged to qualify for ‘Agreed Value’ cover.

Instalments
spread over 10 months by direct debit facilities

Uninsured Losses - legal expenses
Legal costs and expenses are covered up to £100,000. The policy covers you against the legal costs and expenses incurred in the pursuit of a civil claim against a defendant arising from a road traffic accident resulting in:

damage to your motorcycle
damage to your personal property
your injury or death

Excesses
The minimum excess is £50 but could be higher depending on underwriting criteria

Standard Terms
We will cover riders from 21 years of age and with no upper age limit (subject to underwriting criteria). The motorcycle needs to be registered prior to 1991 to be eligible for our classic insurance cover and the motorcycle needs to be kept in a locked garage or secure building agreed by underwriters at all times when not in use