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Colorado Insurance Blog

Motorcycle Insurance for Vintage Bikes

Vintage motorcycles hold a very distinctive place in the hearts of Colorado motorcycle aficionados. These classic bikes are more than just metal machines, as they often represent a piece of history and the owner’s labor of love. According to our licensed professionals at Integrity First Insurance, vintage motorcycles have distinct insurance requirements that frequently need tailored insurance coverage.

Why Vintage Motorcycles Need Special Insurance?

Vintage motorcycles are different from their modern counterparts in various ways. So, very often, these vintage bikes need specialized insurance coverage for these reasons-

The Value Typically Appreciates

Unlike new bikes, vintage motorcycles tend to appreciate over time. Traditional policy may not sufficiently cover the classic bike’s rising value.

Many Vintage Bike are Customized.

A vintage motorcycle specialized policy may offer coverage for modifications on the bike.  

Replacement Parts

Replacement parts for vintage bikes can be costly and difficult to find.  

Types of Vintage Motorcycle Insurance

These are the various coverage types –

Agreed Value Coverage

Agreed value coverage sets forth a pre-arranged value for your vintage motorcycle, which remains fixed unless both the insured and insurer agree to modify the value.

Coverage for Customizations/Replacement Parts

Vintage bike lovers often invest in expensive modifications, i.e., painting, exhaust systems, etc., which should be included in the insurance coverage.

It is noted that vintage bikes are typically stored with more care than new bikes ridden daily. If you have special storage provisions – a secure or climate-controlled facility- inform the insurance company of these specialized storage arrangements.

Contact Us Today

Owning a vintage motorcycle is a labor of love, and protecting your investment with the right insurance coverage is crucial. For more information on vintage motorcycle insurance in Colorado, contact us at Integrity First Insurance today.

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