What is classic motorcycle insurance?
Much like the luxury cars of some big manufacturing houses, motorcycles like Harley Davidson, Triumph, BMW, and others are models that marked their time.
The gear collection is nothing new today. If you are an avid collector motorcycle, it is essential that you take out collector motorcycle insurance. What is classic motorcycle insurance? We take stock here.
A classic motorcycle: what is it?
A motorcycle at least 30 years old
A collector's motorcycle is a machine that has been in existence for at least 30 years and whose owner can attest to its ownership with the necessary documents.
Apply for a registration certificate
Before your machine is said to be collector's item, it is important that you apply for a registration certificate. This registration certificate must mention the status of a collector's vehicle, regardless of the cylinder capacity.
Use a prefecture to obtain a registration card
If you do not have the collection registration card, you will have to go to a prefecture to acquire it. The issuance procedure including the purchase price is similar to that of a conventional registration certificate.
Request a certificate
You can contact the French Federation of Vintage Vehicles (FFVE) to request a certificate if your two-wheeled vehicle is no longer on the market.
A vintage motorcycle: age depends on the first entry into service
To each his own definition
Each insurer has its own definition and criteria concerning insurance for these collections. Some believe that a car that is more than 10 years old can qualify as a collector's bike if the model left its mark on its time.
For others, in order for an object to be said to be collectable, the model will have to be rare. To put it simply, the definitions are varied.
No rule is set in stone
It is true that the rules are not static, nevertheless a motorcycle qualified as old is at least 10 years old, but logically less than 30 years old. Think about it if you are looking for young driver motorcycle insurance in particular.
Insure your motorcycle with a special police
If so, you can get it insured with a special motorcycle collector's policy. Since some insurers such as Clavel do not necessarily require your two-wheeler to be 30 years old.
Watchful insurance companies
There are some rather watchful insurance companies in this area. This is the case with the Mutuelle des Motards which only accepts models from before 1970 which have a collection registration card.
A collector's motorcycle: the different insurance formulas
Various insurance formulas
Like other motorcycle insurance contracts, you can choose from several options. Insurance formulas that are more or less reassuring depending on your aspirations, the value of your vehicle and the budget.
Proposal of a complete range
You will see that each insurer offers a full range of products. Custom-made product ranges to guarantee you optimal coverage.
Thus, we generally find:
A third party formula, that is to say that you will receive coverage just for material damage or bodily injury inflicted on individuals, through the Civil Liability guarantee which is required in motorcycle insurance;
An intermediate formula that contains additional coverages such as theft or fire;
An all-risk plan that insures you for all damage you may suffer as a result of an accident. An accident caused by you or not, or which is related to a typical external event such as;
You have the choice for these formulas
The choice is yours for these different insurance options, just like quad insurance. In general, options intended to supplement your insurance coverage or that of your machine will also be offered to you.
إرسال تعليق