Insurance products

Motorcycle and scooter insurance

Our motorcycle insurance program was designed with bike lovers like your client in mind.

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/or operators must have at least 10 years' driving experience
  • 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
  • Liability coverage may be limited in your state. Select your state from the regional guidelines dropdown menu above to see the maximum coverage available.
  • Collector Raced Motorcycles can be considered for coverage. Please see guidelines under Motorsports Insurance section

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

Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered

Specific Guidelines

The maximum liability limits offered is $250,000/500,000 or $510,000 CSL

Specific Guidelines

The maximum liability limits offered is $500,000/$500,000 or $500,000 CSL

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.

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
A parked, red collector motorcycle, with blue sky and clouds in the background.
1947 Indian Chief
A white collector motorcycle parked in front of a whitewashed brick wall.
1964 Harley Davidson
A parked, red collector motorcycle, with blue sky and clouds in the background.
1973 Norton Commando

Insurance services administered by Hagerty Insurance Agency, LLC. Not all coverages are available in every state. This is a general description of coverage. All coverage is subject to policy provisions, exclusions, and endorsements. Hagerty determines final risk acceptance.