Specialists in classic motorbike insurance

Whether you ride a Harley, Royal Enfield or a Vincent, you’ll understand the pride and joy that comes with owning a classic motorbike, and how important it is to protect your vehicle.

RH makes sure that come rain or shine, you have the cover you need. Our expert understanding of classic motorbikes ensures that whether you ride your bike day-in and day-out, prefer to spend your time working on it in the garage, or attending biking events; you can relax, knowing you’ve got the right level of cover.

Choose RH and benefit from motorbike insurance from people who share your passion. Our cover has been specially designed to give you the peace of mind to be able to go out and enjoy your vintage bike. The policy you will get from RH can represent the true value of your motorbike and can be tailored to match your exact requirements.

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To make your enquiry via our website please follow the link below and complete our online questionnaire.

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Exceeding customers' expectations is something that most companies attempt with varying degrees of success. RH does this in its sleep!

Keith Macaulay-Fraser, long-term RH client.

Classic motorcycles

If you own a motorcycle which was manufactured before 1991, it may be eligible for a classic motorcycle insurance policy.

Modern motorcycle

If you already have a classic motorbike insured with RH we will be able to provide a quote for your more modern motorbike. If you use your motorbike for social, domestic and pleasure purposes, we will work with you to tailor a solution.

Motorcycles

We can combine your collection of classic and modern motorbikes onto one policy. This means you can enjoy the convenience of them all being managed in one place. We would love to help you tailor a policy which suits your exact needs so please call us today.

Benefits that come as a standard

Cherished salvage

Unlike other insurers, free and automatic return on all motorcycles over 20 years old.

No admin fees

RH doesn’t charge a single penny in administration fees, whilst competitors will routinely charge from £10.00 to £70.00 for making the simplest of changes or even to renew your policy.

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.

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.

Personal belongings

Covered up to the value of £150. Benefits that come as a standard

'Agreed Value'

Automatic for classic motorcycles registered prior to 2000 valued up to £3,000. Otherwise, see ‘optional extras’.

Optional extras to tailor your policy

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

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

Is your classic taking a break or awaiting restoration? This cover applies whilst your motorcycle, and its accessories and spare parts, are 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.

We will typically request 5 photographs if the motorcycle’s value is above £3,000 and the value will be validated by us against the current market. Generally there is no need to supply photographs if the value is below £3,000. If the motorcycle’s value is above £50,000 a club or independent specialist valuation will be required. Irrespective of value, the motorcycle needs to be kept garaged to quality for ‘Agreed Value’ cover.

Spread over 10 months by direct debit facilities.

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

Please refer to our policy booklet for full details.

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

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