How old does a bike have to be to qualify for classic insurance?

Does the price drop quite a bit?

I know there are sometimes restrictions on mileage but how much mileage we talking about?

I have classic car insurance, and not bike, but ended up with an unlimited mileage policy. That includes european breakdown and recovery in the price, comprehensive cover with agreed value, and business use! All for £144. Not sure what age a bike has to be to be classic tho, but I have seen 20 years quoted.

15 years old....
From memory you don't get any no claims bonus just a cheap flat rate Carol Nash used to do a policy on my old GSX1100 was about £100 no mileage restriction plus fully comp and with brake down cover

i once went to a website for a company that specilaised in classic insurance the restrictions were so specific you'd never had got the bike out of the bloody garage.

So does that mean you'd lose any no claims bonus, that you'd built up? My bike is a 1988 model but not registered till 1990.

My policy was covering my old GSX, when I got the trumpet, because I stayed with the same company they took into account the number of years not claimed and quoted me accordingly this also showed as no claims on my new policy..

When you take out classic insurance you will not get any no claims listed on your policy, so it may be an issue later on if you get a newer bike and insure it through another company trying to transfer your good record to gain a discount. I suppose it depends on the company etc

Be careful - no claims discount expires after two years if you dont have (normal) insurance, I think, so check with the ins company. A classic policy may not be the best way to go.

Instead of buying a new bike, I've always fancied getting hold of an old classic. Maybe an old brit or a Honda 400/4. So, I'd have two old bikes, instead of one newer one. Sounds like a classic bike policy is not for me though.

Look into a multi bike policy. Thats what I've got, and when I added my 1984 Jawa Outfit it only went up by about £15, I pay about £125 for the 96 Thundercat, 89 FZR 1000 Streetfighter and an 84 Jawa. 3rd party F&T and no breakdown cover but it's cheaper than insuring the Thundercat on its own, and the NCD is still growing.

I own a 1967 Triumph T100T and the ins costs me £75 for agreed value and fire n' theft along with road side recovery and they throw in VIKING ATTACK as well

I also have a Honda 400/4 nearly complete, cost me a fortune in chrome and powder coating, not sure if thats being sold as the room is needed in the garage.

It's probably too soon for me. I kind of planning ahead and weighing up my options. I've been doing a bit of searching through autotrader and ebay to see what prices the old bikes are bringing.

The Brit bikes seem to hold their value a lot better than the old jap bikes.

So do you specificaly have to ask for Classic ins, or do you get it automatically if your bike is 15 yrs and over?????

No you don't get it automatically you have to go to a company that will do a classic policy etc etc.

It can work quite well if you want a bigger bike and find the insurance a bit steep take a look at the stuff that was produced 15 years ago and there are some very sound machines available GPZ900 VFR750 GSXR750 GSXR1100 and so the list goes on take a look at what qualifies next year and the temptation may be high !

I ran my classic policy for years and found it good value, plus when I got the trumpet I could add that even though it was on a 95 plate so it's a flexible policy

I think you ned to get various quotes - Carole Nash do all sorts of policices. I used to have 3 bikes on a multi-bike policy, but whwen I put the trike on the road, I could have had a policy with the trike and the other bikes, but it was more expensive than having seperate policies. I'd say the ordinary multi-bike policy is prolly the way to go.

Im glad you dont get automatically

Got quoted fron carole Nash £236 with only £100 excess

I think i will rip their arms off once its closer to being on the road