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An invigorating experience will undoubtedly be one of the main reasons for owning and riding a classic bike. Those who are passionate about their bike will spend hours making sure it is well maintained and looking at its very best ready for cruising down the road proudly on their beautiful machine.

The warmer weather historically sees an influx of fair weather riders using their beloved machines at every opportunity. Whilst those who are ‘hardened’ bike riders and ‘poo-poo’ the idea of only riding a classic bike when the sun is shining the amount of classic bike meetings are seen far more during the summer than at any other time of the year.

When insuring your classic bike the following factors should be taken into consideration as they may potentially have an affect on the cost of the premiums.

* The make and model will of course be considered. Bikes which are no longer in production may have high market values, which also means high replacement cost should it be stolen, as such it is important to insure the bike for its market value.

* Older machines may be more difficult to find spare and replacement parts, which again may increase the premiums.

* As with any other type of vehicle insurance riders who have a proven no claims history will be offered generous discounts.

* The age and experience of the rider will play a huge part in the insurers calculating the associated risks. If you have if you have taken any advanced driving tuition this should be made known to the insurers as they may offer further discounts.

* If you have made any legal alterations to the bike, whether that be to the engine, exhausts, tyres or paintwork the insurers will need to be informed. Depending on what additional work has been carried out the cost of the insurance may be increased as it means that the bike may need specialised repairs should it be damaged in an incident of malicious damage or an accident. If you are looking for cheap insurance don’t make any alterations to your bike!

* Any added security measures you have in place on your bike will help lower the premiums. Alarms, immobilisers, tracking devices as well as making sure the bike is kept in a securely locked garage when not in use may also offer reductions on premiums.

* For avid classic bike collectors a fleet or multi-bike insurance is a cost effective way of insuring, which typically works out cheaper than each bike having its own individual policy.

* Likewise if your motorbike is not your only vehicle, some insurance companies will offer a fleet insurance. However, this will depend on how many other vehicles you own. There are differences in the number of vehicles needed to constitute and qualify for this type of insurance, therefore it is worth checking with several different companies.

Anyone owning a classic bike will want the best classic bike insurance deals which provides them with sufficient and adequate protection, covering all eventualities should they be in the position of needing to make a claim. Opting for insurers who specialise in motorbike insurance is probably the best option, as these companies will be able to offer the most competitive deals.

If you’re looking for a quote on classic bike insurance visit Swinton.

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