Which Insurance Carriers Will Insure A 30 Year Old Motorcycle?

[Travlr]

My BMW is 30+ years old and Dairyland will not insure it without an appraisal.

Who will write full coverage on a vintage bike?

Thanks,

Mike

[Gliderjohn]

For awhile I fully insured my T-3 with Am. Family. They asked for a letter from a dealer giving their estimated value and then the agent and I agreed on a "totaled" value and they set premiums from that.
GliderJohn

[blackcat]

Hagerty will write a policy for your bike. I have my 81 CX insured by Hagerty along with another vehicle, so it was an easy add on and they didn't require an inspection. Just name your insured value for the bike.

[Cam3512]

http://www.condonskelly.com

[airone]

https://www.jctaylor.com/


I've used J C Taylor for 25 years. Very easy to deal with. You set the value and pay accordingly.
If they think the value is too high the might want an appraisal but I have never been asked to have one done. Now if I get a new old bike one phone call and they will email me an insurance card that I print out. Must have three bikes or more and might need one non vintage bike. They like a limit of 2500 miles per year per bike and that you belong to a club. Only have two old bikes?  Get a Robin for your third!

Mac

[cloudbase]

Progressive insures my '84 V65 SP.

[Triple Jim]

Hagerty is insuring my 1972 Kawasaki H2 and my 1978 Yamaha DT100 so far.  I'm looking forward to the year my '89 Mille is old enough for them to insure it.  NC is not a great state for insurance in general, and the Mille costs something like $160/year with Progressive.  It'll probably be around $90 with Hagerty.  They do require that the bike not be used for regular transportation, like commuting to work, and you have to send them a photo.

[RayB]

I pay the thieves at State Farm to cover (fully) my 82 R100

[oldbike54]

Progressive insures my '84 V65 SP.

 Same with my /5

 Dusty

[Guzzistajohn]

Same with my /5

 Dusty

I use progressive too. A few years ago I added the 2nd old lemans they raised my rate $1.00. I told my agent to give flo a pat on the ass for me!

[pmillar]

Here in MI I have my Eldo insured by Auto Owners. They also insure my house, cars and boat which probably makes a difference. One nice thing though, the collision/comprehensive coverage is based upon my statement of value from many years ago. As an aside, insurance in MI is expensive. (my rates went up years ago when I moved from Costa Mesa, CA back to MI    )

[Tom H]

Progressive. My old bikes are full coverage with agreed value. As long as the agreed is close to what they think it should be, all is very easy. If you have a pristine restoration and want $20,000 for the agreed, they want pictures and such for proof.

I do not know about their service, but for all 4 bikes, I'm at about $350 per year.

Hope this helps,
Tom

[Groover]

I use progressive for my 81G5 and 80's Vespas. They'll go as high as what blue book value is (according to my agent), if you want to covererage for more, you can with an appraisal. You'll also need to have a photo from all 4 sides on file. I think that's just normal process (photos on file)

Getting an appraisal is the tricky part as most I contacted would use KBB and nobody around here was willing to give an overage appraisal because they're not familiar with bike make.

[Triple Jim]

...and nobody around here was willing to give an overage appraisal because they're not familiar with bike make.

Too bad you're not way out in the middle of nowhere like I am.  I ran into the not-familiar thing when trying to get a motorcycle appraised a few years ago, but rather than refuse to help, the two local shops pretty much just asked me what I wanted them to write down, and they did.

[Arizona Wayne]

Progressive insures my '84 V65 SP.

Progressive is insuring my `77 Convert. combined with my other bikes/scooters. 

[Red07]

 :1:  on Haggerty. 


Randy

[fatbob]

Geico

[blackcat]

:1:  on Haggerty. 


Randy

Never had to make a claim with the bike but when I had a small mishap with the el Camino, I called Hagerty and they said to send them a photo of the damage and get an estimate. Sent it in via email, and they sent me a check for the full amount of the estimate.

[sdcr]

My BMW is 30+ years old and Dairyland will not insure it without an appraisal.

Who will write full coverage on a vintage bike?

Thanks,

Mike

Odd, I just signed up with Dairyland for my 33 year old Le Mans. Good rates too. The only issue was with the VIN number not matching up to their criteria.

John

1983 Le Mans III

[Tobit]

Lemans IV full coverage.  Progressive.

[Turin]

 :1: Hagerty. I've got two cars and two bikes insured through them. years ago I had an accident with my torino and they were easy to work with and very fair.

[screamday]

I have a 1988 R100RS that I have full coverage on through Progressive. The agent just needed to see it an take pictures. I've had Progressive fir close to 10 years now.

[dsrdave]

Be care full insuring an older bike through a normal bike policy.  You are covered but the value they assign the bike may surprise you as to how low it is.  Hagerty is great.  I'm currently with continental west for about 1/2 the cost of hagerty for the same coverage.

[drlapo]

Dairyland covers my 35 year old Triumph and 31 year old BMW
Are you asking for an agreed value policy?  That may require an appraisal

[Travlr]

Dairyland covers my 35 year old Triumph and 31 year old BMW
Are you asking for an agreed value policy?  That may require an appraisal

Dairyland has said they will not insure for other than liability w/o an appraisal.

M

[PeteS]

http://www.condonskelly.com

I use these guys for my LeMans and Norton. Full coverage (including COMP AND COLLISION) for both about 100 bucks. The only downside you are limited to 2500 miles a year on each. Not something I am likely to exceed.

Pete

[blackcat]

Just my experience with Dairyland: they suck. Even my insurance agent agreed though they have supposedly gotten better, but I'd never touch them again.

[rocker59]

Dairyland has said they will not insure for other than liability w/o an appraisal.

M

Is there a problem getting an appraisal ?

[rocker59]

:1: Hagerty. I've got two cars and two bikes insured through them. years ago I had an accident with my torino and they were easy to work with and very fair.

 

Everyone I hear from seems happy with Hagerty.

[Triple Jim]

Odd, I just signed up with Dairyland for my 33 year old Le Mans. Good rates too. The only issue was with the VIN number not matching up to their criteria.

Insurance stuff varies a lot from state to state.  I can't even get Dairyland insurance in North Carolina.