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.

You owe it to yourself to get the best protection for your motorcycle. With insurance coverage tailored just for you, the ride will be even sweeter. This includes newer models, too.

Benefits of Hagerty’s motorcycle insurance

Freedom to ride

When the road calls, answer it. Our coverage allows for plenty of pleasure usage* with no fixed mileage limits.

Low premiums

You’ll have more cash to spend on your bike with our affordable guaranteed value coverage.

Guaranteed Value®

We’ll work with you to determine an accurate value and pay that amount if there’s a covered total loss.*

Expert claims handling

If you need to file a claim, you’ll talk to an in-house specialist who understands motorcycle repair. You can choose the shop or do the work yourself (we’ll pay you).

Multi-bike discount

Own multiple bikes? They can all be placed on one policy and you’ll get a multi-bike discount.

Coverage for all, so you can focus on what’s next

Protecting your bike is #1 but your trailer, tools and gear are all investments we cover, too. Raced bikes and gear are protected anytime they’re not on the track.

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

Before you crack the throttle, check out what qualifies

We protect motorcycles:

  • Owned by an enthusiast who is 26 years old or older.
  • That are garaged. Fully enclosed – sorry, no carports.
  • With a minimum value of $2,000. For collections of 3 or more motorcycles, the value is $1,000 per bike. This includes motorcycles under restoration.
  • 1996 and older, and some '97 to present day. For newer models, call us and we’ll talk about possible options.
  • That are raced. Any year bike can be considered.
  • That are modified.

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

Two wheels or four, you belong with us

Hagerty Drivers Club® gives you insider guidance on car and bike values, trends, and buying and selling. Members also get roadside service with flatbeds, member-only invites to events and exclusive discounts like 15% off motorcycle and scooter transportation from Haulbikes

Get insurance that works for you
Ready to talk about insuring your bike? Get a quote online or give us a call.
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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.