If you’re a classic car or motorcycle enthusiast in Nashville, NC, you may wonder if classic car insurance also covers motorcycles. After all, both vehicles are considered classics if they’re older than 25 years old. The answer is yes and no—it depends on the insurer and your chosen policy.
Steiner Insurance Group is happy to help. Here we explore what coverage options are available for classic cars and motorcycles.
Classic Car Insurance Coverage Options
Classic car insurance is designed to provide financial protection for vintage cars that are at least 25 years old. Generally speaking, when insuring a classic car, an insurer will determine the vehicle’s value based on its condition, age, make and model.
This type of coverage typically includes liability protection (in case you damage someone else’s property while driving), physical damage coverage (in case your vehicle is damaged in an accident), and uninsured/underinsured motorist coverage (in case you’re hit by another driver who doesn’t have enough auto insurance).
Classic Motorcycle Insurance Coverage Options
The same type of coverage option is available for classic motorcycles that meet the same age requirements as classic cars. However, some insurers may require additional documentation before offering coverage on a vintage motorcycle. For example, some insurers may require proof that the bike has been modified or restored to qualify for certain types of coverage. Additionally, some insurers may require inspections before offering coverage on a vintage bike.
Contact Us Today
Ultimately, whether or not classic car insurance covers a classic motorcycle depends on the insurer and the policy you choose. if you own a vintage vehicle in Nashville, NC — whether a car or a motorcycle — contact Steiner Insurance Group to get the right type of coverage for your specific situation.