Your Prized Possession and Classic Bike Insurance
For many motorcycle owners, riding is more than just a recreational activity, it's a lifestyle. Riding represents freedom, friends and fun. It's what fuels daydreams and fills weekends. Vintage or classic motorcycles are the pride and joy of their owners many of whom like to parade and demonstrate them at classic bike festivals or other outdoor events.
With classic motorbikes the insurance implications are different to those with standard bikes. Motorcycle Insurance companies will normally insist on certain criteria on which they base the cost of the annual bike insurance premium for your policy and will also dictate whether your bike falls into the classic bike category.
With classic bikes it is generally acknowledged that an 'agreed value' insurance policy is the most effective way to insure. One of the main benefits of an agreed value motorcycle insurance policy is that you have the value of your vehicle agreed at the start of the policy, meaning if you have to make a claim there can be no doubt about the motorcycles worth.
To obtain an agreed value policy, insurers will usually request a fully completed vehicle condition form and 4 coloured photographs of the vehicle.
Classic bike insurance packages are specifically created to give owners peace of mind that their prized possession is covered for every eventuality
Generally, classic bike insurance premiums are much more competitive than an average policy premium based on the market value of a bike and even though older vehicles are more prone to breakdown and repairs and parts for specialist and obsolete models can incur a major expense, other factors for the classic bike insurance criteria override these and essentially reduce the risk therefore reducing the price.
So what are the factors which meet the classic bike criteria and how does this allow reductions in the motorcycle insurance premium.
* The motorcycle must be at least twenty years old.
* The policy will have a limited mileage restriction. This usually ranges from 2000, to 3500 or 5000 miles per annum. Obviously the lower the mileage restriction on a motorbike policy, the lower the usage on a public highway reducing the risk of a road traffic accident.
* The policyholder must have the sole use of another vehicle for daily use again this reduces the amount the bike is actually used on the road.
* The motorcycle must be kept in a secure, locked garage at the home address when not in use. This will reduce the theft risk of the bike which reduces the cost of the bike insurance premium.
* The usage on the policy is restricted to social, domestic and pleasure use only excluding commuting again possibly reducing the amount of time the motorbike is on the road.
* Drivers on a classic bike policy must generally be over the age of 30 and must have held a full motorcycle driving licence for at least 2 or more years. This again ensures a better risk based on age and experience, thus making a bearing on the premium.
There are usually many benefits provided under a Classic motorcycle insurance policy that would not be normally included under a standard motorcycle policy.
This may be automatic cover for all club organised rallies, cover for the insured motorcycles spare and dismantled parts whilst stored in a locked garage or other secure premises and possibly free breakdown recovery in addition to the main benefit of an agreed value.
Policies usually have a minimal excess of 50.00 pounds for both accidental damage, fire and theft claims and generally exclude the riding other bikes clause. This is so riders do not take advantage of the competitive lower classic bike insurance premium to use a much higher rated bike.
About the Author
Anna Stenning loves classic motorbikes, which is why the rightclassic bike insurance is crucial for her hobby. If you are a bike fanatic visit http://www.insureyourbike.com/
 |
 WILDFIRE NEW 2009 250cc 4 STROKE PRO STYLE Off Road Dirt TRAIL Bike Motorcycle $1,000.00 (39 Bids) Time Remaining: 3h 23m |
 2008 KENDON INDUSTRIES MOTORCYCLE BIG BIKE TRAILER 2 RAIL STAND UP $1,950.00 Time Remaining: 19d 19h 56m Buy It Now for only: $1,950.00 |
 |
Westland Giftware Mwah Magnetic Biker Couple Salt and Pepper Shaker Set, 4-1/2-Inch
List Price:  |
DescriptionMotorcycle Biker Couple S/P Salt & Pepper Shakers |
 |
Weddingstar Motorcycle Get-away Wedding Couple Figurine
List Price: |
DescriptionThis romantic wedding couple are seated on a classic motor bike that has been magnificently crafted and includes a miniature "Just Married" license plate along with actual paper pom poms delicately tied to the back fender... |
 |
Diamond Plate Chrome Motorcycle Cup Holder
List Price: |
DescriptionFeatures full chrome cup holder adjustable clamp to easily attach to motorcycle or bike and foam cup insert. Holder measures 2-3/4" x 4-1/4". Gift boxed. |
![The Mouse and the Motorcycle [VHS]](http://www.cheap-used-cars.biz/media/images/i/515NAV7XV3L._SL75_.jpg) |
The Mouse and the Motorcycle [VHS]
List Price: |
DescriptionBored, bored, bored. That's how young Keith feels about being stranded at the time-worn Mountain View Inn with his parents. Then he meets Ralph, an equally stir-crazy mouse who quickly befriends Keith and begs to ride Keith's toy motorcycle... |
![Biker Boyz [VHS]](http://www.cheap-used-cars.biz/media/images/i/510C1YP22JL._SL75_.jpg) |
Biker Boyz [VHS]
List Price: |
DescriptionWhen it's revved up to maximum rpm's, Biker Boyz qualifies as an adequate knockoff of The Fast and the Furious. Both films were inspired by magazine articles about speed-freak outlaws on the streets of California, only this time the nitrous-enhanced "rice rockets" are of the two-wheeled variety, and Smoke (Laurence Fishburne) is the reigning "King of Cali," leading a predominantly African American subculture that schedules illegal motorcycle races with high stakes and potentially lethal outcomes... |
![Harley Davidson: American Motorcycle [VHS]](http://www.cheap-used-cars.biz/media/images/i/21G0SCZGDEL._SL75_.jpg) |
Harley Davidson: American Motorcycle [VHS]
List Price: |
 |
The Expendables
List Price: |
DescriptionA team of mercenaries head to south america on a mission to overthrow a dictator. Studio: Lions Gate Home Ent. Release Date: 11/23/2010 Starring: Sylvester Stallone Jet Li Run time: 103 minutes Rating: R Director: Sylvester Stallone |
 |
The World's Fastest Indian
List Price: |
DescriptionWORLD'S FASTEST INDIAN - DVD Movie |
 |
Easy Rider (Special Edition)
List Price: |
DescriptionTwo young men on a motorcycle trip to New Orleans encounter hippies, drugs, rednecks and prostitutes along the way.Genre: Feature Film-DramaRating: RRelease Date: 16-MAR-2004Media Type: DVD |
 |
Adventure Medical Quikclot Sport Pack
|
DescriptionA hatchet to the foot or a gunshot wound to the shin isn't funny, unless there was juggling involved. Either way, the Adventure Medical Quikclot Sport Pack uses a chemically inert substance to stop the bleeding faster than just applying pressure can... |
|
|
Motorcycle and Bicycle Pedestal with Ball Joint Mount $10.49 iPhone mount is designed for use with bicycle and motorcycleiPod accessory mounts iPhone in portrait or landscape modeBall joint on the dock supports tilting up, down, left and right |
|
|
Harley-style Battery Operated Motorcycle Ride-on $109.99 This battery operated Harley-style motorcycle ride-on gives kids the new adventure and role play of riding the mean streets on a dirty hog. This ride-on includes an 18-watt motor that travels up to four mph, and the safety of three wheels. |
|
|
i.Trek Garmin Nuvi OS-B05 Robust Flexible Handlebar Mount $9.99 GPS handlebar mount will help you watch your device and stay on courseNavigation accessory features a longer length and more secure connection with screwMotorcycle GPS mount is also compatible with bicycle handlebar |
|
|
Little Indian Girl's Ride-on Motorcycle $139.99 Your kid will rule the sidewalk while cruising around on this girl's Pink Little Indian motorcycle ride-on. This battery operated motorcycle includes real engine sounds with working lights and forward and reverse gears. |
|
|
Red Blizzard Battery Operated Ride-on Motorcycle $189.99 Your kid will rule the sidewalk while cruising around on this Red Blizzard Motorcycle ride-on. This battery operated motorcycle includes real horn sounds with a working headlight and features forward and reverse gears. |
|
|
Little Indian Boy's Limited Edition Motorcycle Ride-on $153.99 The Little Indian motorcycle ride-on is the perfect way to enjoy a real-life driving experience on a classic motorcycle. This boy's ride-on features working front and back lights, engine sounds and a six-volt battery. |
|
|
Lil' Rider Battery Operated White Police Motorcycle $79.33 With its ultimate motorcycle-like style, chrome color highlights and Police styling, kids can experience the excitement of motorcycle riding in their own driveway with this Lil' Rider Police Motorcycle. |
|
|
Mossi Men's 'Drifter' Premium Leather Jacket $168.99 Look stylish out on the bike with this Drifter Premium Leather Jacket from Mossi. This rugged jacket features a mandarin collar, front chest vents with rear exhaust and a zip in and out liner to adjust to varying weather conditions. |
|
|
Race Tech`s Motorcycle Suspension Bible (Paperback) $22.86 Helps with the art and science of suspension tuning in bikes. This book explains the three forces of suspension to make an assessment of the state of your suspension and provides thorough testing procedures that gauge how well you are improving the sus... |
|
|
Maximum Control (Paperback) $16.33 As anyone who’s been on one knows, big bikes--Harleys, dressers, tourers, cruisers--handle differently than smaller bikes. They have different centers of gravity; they steer more slowly;... |
|
|
Large Motorcycle Cover $23.78 Give your bike added protection with a Large Motorcycle CoverMotorcycle cover fits bikes 500cc-1100ccMotorcycle gear made from durable nylon |
|
|
Custom Bike Building Basics (Paperback) $16.31 Custom Bike Building Basics is the basic bible that at-home builders need to build and modify your own motorcycle.  From finding the place to work and selecting tools, learning basic skill building and selecting your donor bike, this book ... |
|
|
Bike & Rider $16.99 Metal Mulisha?Bike & Rider 1-12 to 1:18 scale bike with rider Real rider graphics, authentic motocross helmet Bike stand, real rider gear graphics, rear working suspension **Closeouts are limited to stock on hand** |
|
|
Bike Condom $9.99 Vega Bike Condom Never leave home without it. The Bike Condom is a reusable pocket-sized cover that fits most motorcycles and protects it from water and sun damage. Features: Pocket sized protection for your bike Multiple use, lightweight touring or dust cover Fits most bikes Specialty recyclable plastic material |
|
|
Bike Kit $16.99 Answer Racing Bike Kit The perfect Answer decal set for any bike Includes: front fender, fork tubes, fork tube specs, swingarm, and rear fender decals |
|
|
Electric Bullet Bike RTR RC Motorcycle $14.95 Electric Bullet Bike RTR RC Motorcycle |
|
|
Bike Spray $8.95 Muc-Off Bike Spray Protect, preserve and freshen your bike with Muc-Off Bike Spray's incredible water dispersing action. Muc-Off Bike Spray has a high oil content so is a prefect 'all over' after-wash corrosion inhibitor. It drives out moisture and leaves a sparkling non-sticky protective layer on frame, drive chain, metal parts, plastics, rubber and paintwork. High Performance water dispersing "Protect & Lube" maintenance spray Incredible water dispersing action Contains PTFE to prevent dirt adhesion Leaves a sparkling non sticky film Protect, preserve and freshen your bike Reduce future maintenance time as well as helping reduce friction, wear and energy consumption California Air Regulatory Board Compliant |
|
|
Standard Motorcycle Cover $38.99 CoverMax Standard Motorcycle Cover Lightweight all weather water resistant cover Air vents with Velcro closures Reinforced grommets sewn into cover Elasticized bottom for snug fit Includes storage bag Wait for bike to cool before applying cover Sizing: Sport Bike = Large Touring Bike = X-Large |
|
|
KT-9666 Pit Bike Tire $23.99 Kings KT-9666 Pit Bike Tire Excellent pit bike race tire Designed for use in soft terrain conditions Super aggressive pattern for mini’s |
|
|
Bike Night Boots $99.99 Vega Bike Night Boots Leave the moonboot look to the astronauts. The Vega Bike Night Boots are the perfect choice for those urban commutes where the ride is more about the destination. These lightweight motorcycle boots offer leather construction for abrasion resistance, yet remain comfortable and stylish for those times when you're off the bike. Features: Lightweight crossover leather street/casual boot, 7-1/2" height Reinforced heel and sturdy toe box Padded tongue and collar Side zip with gusset for easy on/off Hook/loop leather strap provides additional stability Sturdy rubber sole and reinforced shift guard |
|
|
Bike Cleaner $10.95 Muc-Off Bike Cleaner The unique Muc-Off Nano Tech cleaning formula makes life easy, regardless of the weather conditions or time of year. Muc-Off Nano Tech Cleaner has an incredibly effective cleaning formula containing “Nano Technology” that also cares for your bike’s delicate finishes. It contains no harmful acids, CFC’s or solvents, is NONTOXIC and fully biodegradable. It’s completely safe on anodising, paintwork, chrome, carbon fibre, suspension seals, rubber, disc brake pads and more importantly to the user too! It cuts through dirt, oil and grime quickly and safely leaving your bike sparkling clean. Make life easy, try Muc-Off Nano Tech Cleaner after your next dirty ride! |
|
|
Bike Pit $40.99 Comfort In Action Bike Pit Windproof necker, 360° of guaranteed windproof protection thanks to the Windstopper® 3 layer fabric that covers the face, neck and chest area. Back part in warm and cozy fleece. The windproof and highly breathable ultra thin Windstopper® membrane is laminated between two fabrics. It prevents wind from cooling the body by creating a layer of warm, dry air next to the skin, whilst no impeding natural perspiration. Windstopper® membranes not only block the wind-chill factor when riding at any speed, but they are also absolutely breathable while performing. Features: Pull-over 1-piece tube design extends to upper-chest Protects lower face, neck and upper-chest from the cold wind Gore Windstopper fleece eliminates wind chill Water-resistant, and weather material 1 size fits most |
|
|
Folding Bike Stand $89.99 Polisport Folding Bike Stand Lightweight durable dual injected plastic construction Gas and oil resistant Large stable foot print supports up to 550lbs. Stand folds fully flat to 2 ?" x 18" x 23" for easy storage and transportation Large platform with rubber injected non-skid molded top Large easy access functional drain hole Convenient built in carry handle View the MotorcycleUSA.com review of the Polisport Folding Bike Stand here: Polisport Folding Bike Stand Review |
|
|
Universal Rear Sport Bike Stand $71.99 Motorsport Products Universal Rear Sport Bike Stand This Universal Sport Bike Rear Stand is heavy duty and adjustable in order to fit most sportbikes. Dual-arms made from heavy-duty steel tubing provide strength for the largest of sportbikes and increase durability. This rear stand is sturdy and?stabile assuring that your performance motorcycle is secure. Wide frame design ensures stability while bike is lifted, moved or sitting on the stand Stand width is adjustable from 8-3/4" to 13-3/4" allowing fitment of most sport bikes Unique design allows the easy, safe lifting of the rear of the sport bike with or with out spools incorporated Rubber padding protects from scratching Four durable 4" wheels support the heaviest of street bikes and give smooth operation Made in the U.S.A. with 1-1/2" steel tubing Sleek black powder coat finish |
|
|
Motorcycle $31 A highly-illustrated account of the history, design and culture of the motorbike, Motorcycle is essential reading for the Harley-Davidson roadhog, bike collector, or anyone who's felt the power of the unmistakable king of the road. |
|
|
Step-Up Bike Stand $76.99 FMF Step-Up Bike Stand Don’t throw your bike on any old stand - this one is as trick as they come Lightweight, cast-aluminum construction means stand will not bend or flex, even in the toughest conditions Rubber-topped bike platform is adjustable so you can rotate it to the desired position Stand extends from 12.5” up to 16” so you can use it on everything from minis to the big four-strokes All finishes are plated or powder-coated for lasting durability Can be quickly assembled or disassembled for cleaning or storage |
|
|
Sport Bike Sound System $249.95 Cycle Sounds Sport Bike Sound System Speakers for your sport bike that look and sound great Works on any sport bike application with front fairing Flex Disc mounts allow you to mount speakers on the inside of the windscreen for a stealth look, no need for cutting holes or big bulky mounts and clamps All Cycle SoundsTM speakers are water/weatherproof, heat/vibration resistant and UV protected System includes: 1 pr lightweight 2" bullet speakers, mini high powered amp with 3.5mm jack, MP3 mount and all wires and connectors to complete the installation Works great with any MP3/MP4 player, GPS, iPod, iPhone, radar detector etc. |
|
|
Duo Bike Maintenance Pack $19.95 Muc-Off Duo Bike Maintenance Pack Unique Muc-Off Nano Tech cleaning formula makes life easy, regardless of the weather conditions or time of year. Muc-Off Nano Tech Cleaner has an incredibly effective cleaning formula containing “Nano Technology” that also cares for your bike’s delicate finishes. It contains no harmful acids, CFC’s or solvents, is NONTOXIC and fully biodegradable. It’s completely safe on anodising, paintwork, chrome, carbon fiber, suspension seals, rubber, disc brake pads and more importantly to the user too! It cuts through dirt, oil and grime quickly and safely leaving your bike sparkling clean. Make life easy, try Muc-Off Nano Tech Cleaner after your next dirty ride! Kit contents: 1 x 1Ltr Muc-Off Biodegradable Bike Cleaner 1 x 500ml Bike Spray |
|
|
Metal Mulisha Bike Stand $89.99 MSR Racing Metal Mulisha Bike Stand Designed for extreme durability Made of high quality aircraft aluminum Frame constructed from 1" round tubing Arched frame for stability on uneven ground Decal panels allow access to the tool tray and bike's oil drain bolt Heavy-duty aluminum top with a large oil drain hole Extra thick, oil and gas resistant top rubber pad Measures 17” tall |
|
|
Formula 2 Bike Wash $12.95 Cycle Care Formula 2 Bike Wash Cycle Care Formula 2 is a concentrated gentle shampoo, formulated to clean and extend the life of your bike's appearance. This product does not contain alkalies, acids or abrasives. Cycle 2 is formulated to perform as a wetting agent, and will soften road grime and soil to prevent abrasion from wash mitt or cloth. Bucket wash - Rinse does not require high pressure. (Agitation required in extremely neglected situations.) Requires?normal drying conditions (sunlight, good breeze or leaf blower provides virtually spot free results.) Delicate formula - will not strip wax or polish |
|
|
Deluxe Motorcycle Cover $44.99 Western Power Sports Deluxe Motorcycle Cover Rain resistant polyester construction for protection and durability Built-in ventilation to prevent condensation New hook and loop tabs allow the upper vent to stay open, keeping bike cooler on hot days Aluminized polyester lower section protects cover on warm pipes Custom fit elastic bottom Elastic cord with barrel lock allows rider to cover without knelling on the ground or reaching under the bike Two new reinforced 30mm grommets to put a cable lock through the front wheel and two in the center for more lock options Cover includes carrying bag Full 12-month warranty |
|
|
Single Function World Moto Bike Electric RTR RC Motorcycle $12.95 Single Function World Moto Bike Electric RTR RC Motorcycle |
|
|
Electric Stunt Chopper Bike RTR RC Trike Motorcycle $19.95 Electric Stunt Chopper Bike RTR RC Trike Motorcycle |
|
|
Mototrek Motorcycle Cover $36.99 MotoCentric Mototrek Motorcycle Cover The MotoCentric Mototrek Motorcycle Cover is fully vented throughout allowing continuous air-circulation which helps minimize condensation buildup and also utilizes Reflect-A-Light™ reflective MotoCentric prints on the on the sides of the cover to allow better visibility and safety to your motorcycle in the dark. Mototrek Covers include a Lifetime Warranty Features: Made from highly abrasion-resistant Maxtura™ fabric Heat panels to protect the heat from your bike Locking device ready Fully vented throughout Double stitched seams Seperate bag included to hold cover Will fit most bikes - Four sizes available Sizing: Medium: Fits 500cc-1000cc sportbikes and other standard motorcycles Large: Fits up to 1300cc sportbikes and other standard motorcycles X-Large: Fits touring bikes with windscreens and luggage 2X-Large: Fits full size touring bikes with luggage and accessories |
|
|
Colored Sport Bike Brake Lines $49.99 Galfer Colored Sport Bike Brake Lines Add some color to your street bike's brake lines. These Galfer braided, stainless steel casing have a clear covering to protect both the line and the bike. PTFE 62 teflon liner creates zero expansion effect, translating into a stronger, more progressive brake action Sport bike front line kits are 2 lines, unless noted otherwise, that travel from the master cylinder to the caliper All kits include banjo bolts and washers (torque to 18-21 ft. lbs.), and installation instructions Lines are individually labled to avoid confusion Limited lifetime manufacturer's warranty |
|
|
SSR1900 Universal Bike Bag $70.99 Saddlemen SSR1900 Universal Bike Bag Convenient size, full of features, easy mounting and incredible value Rugged, fully rigid construction holds bag shape even when empty Fully adjustable mounting system includes two adjustable-length hooked bungees; mount onto sissy bar, luggage rack or back seat Zip/hook-and-loop wide top opening with gusseted zip front Top carry handle and backpack/shoulder strap for easy toting off bike Lockable zipper pulls SSR1900 features three exterior zippered pockets for easy access to maps and other items Constructed of UV-, water- and weather-resistant 1200-denier SaddleTuff? and leather-like vinyl panels SSR1900 dimensions: 17" H x 16" W x 11.5" D; measures 1,900 cubic inches Click Here for Additional Luggage Information |
|
|
Classic Bike Pack $143.99 River Road Classic Bike Pack River Road Classic Bike Packs feature synthetic leather construction that's so real, you'll have to look twice Quick-release buckles, hidden behind traditional chrome hardware, making opening the bag quick and easy Reinforced sidewalls and base provide strength and shape retention Box-style lids with hook-and-loop closure and extra-long cross-over flaps inside Side pockets with hook-and-loop closures Straps to secure saddlebag included Includes 1 year manufacturer's warranty Top Travel Case sold separately Dimensions: 23" W x 16" H x 12" D Click Here for Additional Luggage Information |
|
|
Studded Bike Pack $152.99 River Road Studded Bike Pack River Road Studded Bike Packs feature synthetic leather construction that's so real, you'll have to look twice Quick-release buckles, hidden behind traditional chrome hardware, making opening the bag quick and easy Reinforced sidewalls and base provide strength and shape retention Box-style lids with hook-and-loop closure and extra-long cross-over flaps inside Side pockets with hook-and-loop closures Straps to secure saddlebag included Includes 1 year manufacturers warranty Top Travel Case sold separately Dimensions: 23" W x 16" H x 12" D Click Here for Additional Luggage Information |
|
|
Guardian Custom Bike Cover $105.99 Dowco Guardian Custom Bike Cover Soft cotton fabric ideal for interior storage "Napped" interior protects paint, chrome and other surfaces Breathable fabric allows moisture to escape Shock cord in hem Reinforced grommets allow use of a cable lock (lock not included) Special Guardian graphic Limited lifetime manufacturer warranty |
|
|
Sport Bike Grips $24.45 Harri's Sport Bike Grips Made from high quality space age polymer The outer layer is put through an electro erosion process, giving it a durable micro surface for enhanced grip feel and protections from UV rays Inner flange is buttressed to support the hand, neutralizing vibration transmitted through the handlebars To enhance rider comfort, control and security, the upper surface is smooth, whereas the under surface is grooved and ridged |
|
|
Centrek Motorcycle Cover $58.99 MotoCentric Centrek Motorcycle Cover The MotoCentric Centrek Motorcycle Cover is the best cover to use if you plan to leave your motorcycle outdoors. It offers protection against rain, snow, ultraviolet (UV) rays, dirt and includes grommets sewn into the hem to allow for the use of a motorcycle locking device. It is fully vented throughout allowing continuous air-circulation and helps minimize condensation buildup. Centrek Covers include a Lifetime Warranty Features: Made from highly abrasion-resistant Maxtura™ fabric Reflect-A-Light™ reflective logos on sides of cover Heat panels to protect the heat from your bike Locking device ready Fully vented throughout Double stitched seams Seperate bag included to hold cover Will fit most bikes - Four sizes available Sizes: Medium: Fits 500cc-1000cc sportbikes and other standard motorcycles Large: Fits up to 1300cc sportbikes and other standard motorcycles X-Large: Fits touring bikes with windscreens and luggage 2X-Large: Fits full size touring bikes with luggage and accessories |
|
|
Pit Bike Complete Kit $229.99 Pro Taper Pit Bike Complete Kit Fully adjustable Pro Taper triple clamp Clamp design reduces stock fork flex CRF50 Complete Kit Includes: 7" rise chromoly Pro Taper handlebar and pad (Bar is clear coated with ultra-tough epoxy paint) Throttle cable Brake cable Kill Switch Brake lever/perch Pro Taper half waffle grips Throttle housing assembly KLX110/DRZ110 Complete Kit Includes: 143mm rise SE Pro Taper handlebar and pad Multi-position Clamp Half waffle grips Click Here For Top Clamp |
Module1 Practical Motorcycle Test Demonstration Video (New Bike Test)