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How to Get the Best Antique Motorcycle Insurance

By Brown Ezilon.com Articles Published 07/23/2011 | Motorcycle Insurance
For all those with a passion for antique motorcycles, insurance coverage is essential. Vintage and old motorcycles may be kept as part of a collection or driven about, in both cases they should be adequately insured as antique pieces and not classic motorcycles.

These types of motorcycles are precious object to their owners and they should be protected as such, making sure both the personal value and market value will cover any damage or theft. Consider that your antique motorcycle will be viewed by many and you will be taking it around even if you do not drive it around frequently. You may choose to expose it at shows or motorcycle parades with other similar vintage motorcycles. This exposure can cause a risk and must be covered by insurance to minimize any damage or loss.

When you choose an insurance company for your motorcycle, you need to make sure that the company you have chosen is reliable and specializes in antique motorcycle insurance. Traditional insurance companies may provide antique motorcycle insurance, but they may not offer all the options that cover vintage motorcycles and may treat your motorcycle as any other classic model.

It is really essential your motorcycle is values for its vintage worth and special options should be included in the motorcycle insurance policy. Once you have agreed to these issues with your insurance then the next step will be to determine the use. This may take into account your mileage or not if you keep it as a collection piece and the spare parts coverage as these will have a certain value as it is an antique motorcycle. It must be noted that an antique motorcycle will increase in value with every year that passes, as opposed to a modern day model that does just the opposite.

Keep in mind that not all motorcycles qualify for antique motorcycle insurance and these are listed in specialized journals. There are certain criteria which make a motorcycle and its owner eligible for this kind of insurance policy and you must check these issues before you start looking for reasonably priced motorcycle insurance.

There are other issues to consider such as your age and experience as a motorcyclist and what you will be using it for and again where you will be keeping it. If you have a safe place to store your antique motorcycle in and you live in a low risk area then the insurance premiums will be considerably lower.

You will not be able to use your motorcycle for going to work or commuting to places and neither for racing or similar activities. You can find various insurance companies that specialize in antique motorcycle coverage and the best way to look for these is on the Internet in order to receive premium amount quotations as well as terms of the policy. You can compare different companies before finalizing the suitable insurance policy for your motorcycle.