Vintage and antique motorcycle insurance

Vintage motorcycles allow you to preserve the past and enjoy the classic rides from yesteryear. Agreed Value coverage is available for bikes 25 years or older.

Agreed Value

The agreed value option for motorcycles means the lower of the following will be used to settle a total loss:

  • The amount necessary to repair or replace the stolen or damaged property to its pre-loss condition, reduced by the applicable deductible.
  • The agreed value shown on the Declarations page, reduced by its salvage value if you retain ownership of the motorcycle. No deductible applies in the event of a total loss.

The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application, including the market value of all custom parts and equipment. The agreed value should be updated on your policy whenever changes are made to your motorcycle.