Minimotorcycles Insurance
Protect Your One-of-a-Kind Ride
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Minimotorcycles Protect What’s Timeless.
Owning a classic motorcycle is more than just a hobby—it’s a lifestyle, an investment, and a piece of history. We understand the unique value your vintage or collector motorcycle holds, which is why we offer specialized Classic Motorcycle Insurance tailored to protect your prized possession.
Whether it’s a rare Harley-Davidson, a vintage Triumph, or a custom café racer, our classic motorcycle policies provide comprehensive coverage, flexible options, and unmatched peace of mind.
Why You Need Minimotorcycles Insurance
Regular motorcycle insurance isn’t designed for the true value or limited use of a classic motorcycle. Our specialized policies take into account:
✅ Agreed Value Coverage – Know exactly what your motorcycle is worth. In the event of a total loss, you’ll be paid the agreed-upon amount, not just market value.
✅ Flexible Usage Terms – Whether you ride it on weekends, take it to shows, or just keep it in storage, we have policies that fit your riding habits.
✅ Parts & Restoration Coverage – Protect rare or custom parts, including coverage for original components and restoration work.
✅ Storage & Transportation Protection – Safeguard your motorcycle during trailering, transport, and even while stored in your garage or storage unit.
Coverage Features
✔️ Classic Motorcycle Liability Insurance
✔️ Collision & Comprehensive
✔️ Theft & Vandalism Protection
✔️ Spare Parts & Accessories
✔️ Emergency Roadside Assistance
✔️ Show & Event Coverage
✔️ Multi-Motorcycle & Club Member Discounts
Our coverage is designed to meet the unique needs of classic motorcycle owners in California and beyond.
What Does Motorcycle Insurance Cover?
Workers compensation insurance provides a safety net for employees injured on the job. Here’s a breakdown of what this coverage typically includes:
Accidental Damage
Covers repairs or replacement costs if your motorcycle is damaged in a road accident, whether it’s a minor dent or major collision.
Theft or Total Loss
If your motorcycle is stolen or completely damaged beyond repair (declared total loss), your insurer will compensate you based on the insured value.
Fire and Natural Calamities
Motorcycle insurance also covers damage caused by: Fire or explosion Floods, earthquakes, storms, or other natural disasters Riots or vandalism
Third-Party Liability
This is a legal requirement in most countries. It covers: Damage to another person’s vehicle or property Injury or death caused to a third party in an accident involving your motorcycle
Personal Accident Cover
Provides compensation for injuries, disability, or death of the rider in case of an accident. Some policies may also offer coverage for pillion riders.
Low-Cost Commuter Motorcycle Insurance
Affordable Low-Cost Commuter Motorcycle Insurance designed to protect your daily rides with reliable coverage at budget-friendly rates.
Frequently Asked Questions
Q1: What qualifies as a classic motorcycle?
A: Typically, a motorcycle that’s 25 years or older, well-maintained, and often used for shows, exhibitions, or occasional riding qualifies as a classic.
Q2: Can I insure a custom-built vintage motorcycle?
A: Yes! As long as the motorcycle meets age and condition standards, custom classics are fully insurable under our specialized policies.
Q3: What’s the difference between classic and regular motorcycle insurance?
A: Classic policies offer agreed value, limited usage terms, spare parts coverage, and higher customization—all tailored for vintage motorcycle needs.
Q4: Do I have to show my motorcycle regularly to qualify?
A: Not necessarily. While many riders use their motorcycles for shows, classic insurance can still apply if your motorcycle is stored properly and ridden occasionally.
Q5: Can I insure multiple classic motorcycles under one policy?
A: Absolutely! We offer multi-motorcycle discounts and can bundle multiple classic motorcycles into one affordable policy.
