Classic Motorcycle Insurance

Classic Motorcycle

Our classic motorcycle insurance is designed for collectable motorbikes. Your client’s experience, lifestyle, and security are all considered to create a bespoke package.

Who we work with

  • Riders over 30 years of age
  • Full UK licence holders for over 12 months
  • UK residents of over three years

What our classic motorcycle policy covers

  • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning or explosion, and theft or attempted theft
  • Replacement locks up to £300 per incident
  • Foreign use in EU countries for up to 90 days for social, domestic, and pleasure purposes
  • Legal costs and damages up to £20m for a single incident
  • Vehicle transport costs to a repairer following an accident
  • Riding other motorcycles (see policy document for more details)


  • Agreed value
  • Protected no claims bonus for up to two claims
  • Foreign travel cover for non-EU countries
  • Extended foreign EU travel cover for social, domestic, and pleasure purposes

Additional benefits of the classic motorcycle policy

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Multi-vehicle cover

Collectors can receive discounts for placing several classic motorcycles on the same policy.

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Discounted premiums

We offer discounts for members of owners’ clubs, as well as for length of ownership, usage, and Thatcham security.

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Salvage retention

In the event of a total loss, we may allow your client to retain ownership of the vehicle to build up again.

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Customisable mileage bandings

Three limited mileage bandings to tailor to your client’s needs.

Benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Authentic specialist motor insurance, designed by experts

KGM’s motor enthusiasts have been refining specialist motor insurance for over six decades. 

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A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301811. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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