Insurance products

Motorcycle and scooter insurance

Our motorcycle insurance program was designed with bike lovers like you in mind.

Two people driving collector motorcycles down a road, with greenery in the background.

Benefits of Hagerty’s motorcycle insurance

Low annual premiums

One of the least expensive parts of owning a bike is protecting it with Hagerty. We know you don't ride your collector motorcycle like your regular motorcycle, so, we adjust premiums accordingly.

Guaranteed Value® coverage

Nobody knows your bike's true value better than you. That's why at Hagerty, our valuation experts work with you to agree on an accurate value for your bike up front. If there's a covered total loss, we'll pay that amount.* Period.

Exceptional claims handling

We handle all of our claims in-house. Our adjusters have been trained in the art of collector motorcycle repairs. Plus, we let you choose the repair shop—or we'll even pay you to do the work yourself!

Specialty roadside service (guaranteed flatbed towing)

Older motorcycles are going to break down. No big deal. Especially if you're a Hagerty Drivers Club® member, which includes the emergency roadside service we created with classics in mind. Membership includes guaranteed flatbed towing, battery jumps and more services, in addition to automotive discounts, subscription to Hagerty magazine and much more.

Multi-vehicle discount

If you have more than one motorcycle you may be eligible for a multi-vehicle discount. With each bike you add you receive an additional multi-vehicle discount, so the savings keep coming.

Freedom to enjoy your motorcycle

Motorcycles are made for the freedom of the road. Our policy allows flexible usage—with no fixed mileage limits. Whether it's a ride on a summer day, attending a club event or going to a show, you're covered.

Spare parts and tools coverage

Work on the bike yourself? OK, dumb question. Of course you do. That's why we offer coverage for spare parts and tools. If you have extra parts lying around in your garage that are worth money, we'll protect them.

Motorcycle apparel coverage

We'd like to see you live to ride another day. So let's make a deal: You wear safety apparel—like helmets, goggles, boots and protective clothing—we'll pay for it if damaged in an accident. We cover you, your bike and what you're wearing.

What is a collector motorcycle?**

Here are a few common examples of motorcycles we insure:

  • BMW R69 Cushman Pierce Four
  • Café Racers Indian Chief
  • Honda CB350 Ariel Square 4
  • Flying Merkel Ducati 750 GT
  • Yamaha RD350 BSA Lightening
  • Retired Dirt Bikes
  • Triumph Bonneville
  • Norton Commando
  • Harley Davidson FLH
  • Vincent Black Shadow
  • Henderson 4 Cylinder
  • Harley Davidson Sportster
A parked, red collector motorcycle, with blue sky and clouds in the background.
1947 Indian Chief
A white collector motorcycle parked in front of a whitewashed brick wall.
1964 Harley Davidson FL
A parked, red collector motorcycle, with blue sky and clouds in the background.
1973 Norton Commando

Qualifying for motorcycle insurance

Basic qualifications

  • Motorcycles should be 1996 or older
  • Some special interest motorcycles newer than 1996 can be considered on a case by case basis
  • Motorcycles in North Carolina must be 25 years old and older
  • Sidecars must be original equipment from the era of the bike's original manufactured date
  • Motorcycles must be stored in a fully enclosed garage, carports are not acceptable
  • Motorcycles being restored can be considered if they meet the minimum value requirement
  • Minimum value is $2,000
  • Collections of 3 or more motorcycles—minimum value is $1,000 per bike

Custom built frame or structurally modified motorcycles:

  • Motorcycles must be 1975 or older
  • Minimum insured value is $7,500
  • Replica motorcycles can be considered (A 1951 Harley is restored on a 1973 Harley frame)
  • Custom built trikes are not eligible

Collector raced motorcycles

  • Coverage does not apply when your motorcycle is on-track
  • No professional race teams
  • Dirt track and motocross bikes can be considered
  • Coverages may be limited or unavailable for some risks or states
  • See Motorsports Coverages for more details
Get insurance that works for you
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* Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid. Guaranteed Value includes all taxes and fees unless prohibited by state law.

** List not comprehensive.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.