Classic Bike Insurance

If your bike is over 40 years old and hasn’t been substantially changed, it’s exempt from MOT testing. But that doesn’t mean you can skip maintenance. Keeping your bike roadworthy is still your responsibility.

If your bike’s under 40 or has been modified, you’ll need a valid MOT certificate to ride on public roads.

If your bike’s older, ridden occasionally, and lovingly maintained, classic bike insurance could be perfect. It offers tailored cover, lower premiums, and perks that standard insurance doesn’t.

But if you ride daily, rack up high mileage, or use your bike for commuting, a standard motorcycle insurance policy might be more suitable cover.

Yes! Sidecars can be insured as part of your classic motorcycle insurance policy or separately.

Just make sure to mention it to use when we help you find your quote. Some insurers offer specialist cover for sidecars, including agreed value and breakdown assistance.

Definitely. Classic scooters and mopeds—like vintage Vespas or Lambrettas—can be covered under classic bike policies. As long as they meet the age and usage criteria, you’re good to go.

Laid-up cover is for bikes that aren’t being ridden. It protects against fire, theft, and accidental damage while your bike’s in storage.

Perfect for winter months, restoration projects, or bikes that only come out for special occasions. You don’t need tax or MOT for laid-up bikes, but they must be kept off public roads.

If your bike’s not being used and kept off public roads, you’ll need to declare it SORN (Statutory Off Road Notification). This means you don’t have to pay road tax or get an MOT.

You can still insure your bike with laid-up cover while it’s SORN’d. Just make sure it’s stored securely.

If your bike is over 40 years old, it’s exempt from vehicle tax—but you still need to apply for the exemption each year. You’ll get a tax disc that shows your bike’s exempt status.

If your bike’s under 40, you’ll need to pay road tax as usual.