You can usually insure a classic motorcycle more cheaply with a classic vehicle insurance. It does come with conditions. Below we list them, using the Dutch ANWB as an example. Other insurers have similar rules, but the details differ. So always compare a few policies.

THIRD PARTY is compulsory. It covers damage you cause to others, but not damage to your own motorcycle.

If you also want to insure your own motorcycle, for example against theft, you take comprehensive cover. For a classic you need a valuation report for that. The valued amount then becomes the insured sum. If the motorcycle is lost, you are paid that value, minus what the wreck is still worth. Without a valid report you only get the market value, which for a classic is often much lower than what it is really worth.

Have the valuation done by a recognised valuer. The ANWB accepts valuers affiliated with FEHAC, RETM, TMV or VRT, and club valuers recognised by the FEHAC. So first ask your make club whether they have their own valuer.

A fixed premium without no-claims bonus is normal for classics: a claim then does not cost you a discount. Do watch the excess. And think of a good lock; our page Motorcycle clothing and accessories lists locks and more.