Collector Motorcycles and Scooters

• Collector motorcycles and scooters need special protection, too. With Guaranteed Value™ coverage, claims specialists and parts specialists, we make sure collector bikes are taken care of properly. To qualify for our program, motorcycles and scooters must meet the following requirements:

• Motorcycles

  • Applicants and operators must be 26 or older
  • Applicants must have a valid motorcycle endorsement, license or permit
  • Motorcycles should be 1996 or older
  • Some special interest motorcycles newer than 1996 can be considered on case by case basis
  • Minimum value is $2,000
  • Collection of 3 or more motorcycles - minimum value is $1,000 per bike
  • Acceptable modifications are custom paint, chromed parts or fiberglass fenders
  • Custom built frame or structurally modified motorcycles must be 1975 and older and have a minimum value of $7,500
  • Custom built Trikes are not eligible
  • Motorcycles must be stored in a fully enclosed garage
  • If the motorcycle guest passenger liability (GPL) is limited to the state minimum limit, we can proceed with offering liability limits that match the personal auto policy up to $250,000/$500,000 or $300,000 CSL. If not, the maximum liability limit offered is $100,000/$300,000 or $100,000 CSL.
  • Collector Raced Motorcycles can be considered for coverage. Please see guidelines under Motorsports Insurance section

  Scooters

  • Should be 25 years or older
  • Minimum value is $2,000
  • For collections of 3 or more, the minimum value is $1,000
  • There are no coverage restrictions for scooters

  Specific Guidelines

  Specific Guidelines

  Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL

  Specific Guidelines

  Vehicles newer than 25 years are not eligible unless they are written on a policy that includes a vehicle 25 years or older

  Specific Guidelines

  Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL. Motorcycles in North Carolina must be 25 years old and older.

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• Get a quote for your client’s collector motorcycle or scooter.