Month: May 2025

Every new motorcycle purchased from a dealership inevitably ages, experiencing slower speeds, reduced power, and requiring costly repairs. While some opt to replace their old bikes with newer models, others choose to keep them. Whether these bikes are frequently used or sit idle, they need insurance coverage, especially if they remain in excellent condition as they age.

Does Motorcycle Insurance Cover Aging or Old Bikes?

Indeed, it does. This type of coverage is known as classic and antique motorcycle insurance, although it may also be referred to as antique and vintage motorcycle insurance. It provides the minimum coverage required by state law and includes popular options such as comprehensive, medical, and collision coverage. Additional riders include OEM parts coverage, safety gear and accessories, bike transport, and extra liability protection. Classic and antique motorcycle insurance also covers mopeds and scooters.

Despite the similar-sounding names, antique, vintage, and classic are distinguished based on the age of the bike. Most policies cover bikes between 20 and 35 years old, but your bike could qualify if it’s as young as 15. Vintage motorcycle qualifications extend further back, covering bikes over and under 50 years old. An agent at Fenzl Insurance Agency can provide additional criteria to determine if your bike qualifies for coverage, including factors such as design, use, frequency, and condition. Modern bikes younger than 15 years could be considered classic depending on their design and condition.

Does Motorcycle Insurance Cover Aging or Old Bikes Less Than 15 Years Old?

In Hamburg, NY, standard motorcycle insurance policies protect older, non-vintage motorcycles, with the exception of motorcycles that are not roadworthy.

Allow an agent at Fenzl Insurance Agency to find the right insurance for your aging motorcycle. The agent will review your policy to see if your bike meets the criteria for classic, vintage, or antique insurance. The agent will also assist you in securing a carrier that caters to the needs of your aging motorcycle. Visit our office in Hamburg, NY, or contact us for more information.