Tag: motorcycle insurance

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.

For motorcycle enthusiasts, the end of the riding season can be sad, and the wait for winter to pass can feel endless. However, with the new motorcycle season on the horizon, it’s time to start preparing. Preparation is key, whether that means investing in new gear, scheduling a tune-up for your bike, or checking your motorcycle insurance policy. For motorcycle owners in and around Hamburg, NY, this should also involve reviewing your motorcycle insurance policy with agencies like Fenzl Insurance Agency to ensure everything is in order before you hit the road.

Include Motorcycle Insurance in Your Pre-Season Preparations

As you check your gear and bike, remember to touch base with your insurance agent to ensure you have the correct coverage dates and understand what is or isn’t covered under your policy. This is why motorcycle owners and riders in Hamburg, NY, trust the friendly and experienced team at Fenzl Insurance Agency for the protection they need before they hit the road this motorcycle season.

If you live in the Hamburg, NY area and have questions or need motorcycle insurance for your ride, we’re here to help. Contact us to learn more and schedule an appointment today at Fenzl Insurance Agency for the protection you and your bike need.

Many people enjoy riding motorcycles on the streets and local highways. Although not all states require motorcycle owners to carry insurance, most do, and New York is one such state. Our team at Fenzl Insurance Agency is committed to educating and insuring motorcycle owners in Hamburg, NY.

What is Motorcycle Liability Insurance?

Motorcycle liability insurance is similar to auto liability insurance. It provides coverage for other drivers if you’re found at fault for an accident or property damage. This coverage will pay medical bills for anyone who is injured in an accident where you’re at fault. This insurance will also cover any damage you cause to other people’s property while driving your motorcycle. Drivers should be aware that liability coverage isn’t designed to cover your injuries or any damage to your motorcycle or property. It will only cover damage or injuries to other people and their property. Drivers will need to purchase more coverage if they want protection for their potential injuries and damage to their motorcycles.

Do I need motorcycle insurance to drive in the state of New York?

Yes. New York’s state minimum insurance requirements mandate all motorcycle owners to carry liability insurance. Liability insurance provides coverage for bodily injury as well as coverage for property damage for other drivers. Drivers must purchase more insurance to cover damage to their property or motorcycles. Motorcycle owners must also have a motorcycle or Class M/MJ license. New York laws mandate that all motorcycle owners must carry liability coverage as a state minimum requirement. However, motorcycle owners can purchase more coverage for their property and potential personal injuries. If you have questions regarding motorcycle insurance, contact us. Our team at Fenzl Insurance Agency would be happy to answer your questions and explore your options.