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Vintage Bike Insurance in India: All You Need to Know

Published On Mar 31, 2023 10:00 AM By InsuranceDekho

Vintage Bike Insurance in India: All You Need to Know

Don’t we adore our traditional and vintage belongings, may it be jewellery or vehicles? If you own a vintage bike, then you must cover it under a bike insurance policy to ensure that it is protected against any damages that may arise in the future. When purchasing an insurance policy for your vintage bike, make sure that you compare numerous insurance companies on the basis of their network of garages and claim settlement ratio. Read on to learn more about vintage bike insurance in India. 

Vintage Bike Insurance in India: All You Need to Know

What is Insurance For Vintage Two-Wheelers? 

Vintage motorcycles are vehicles that are more than 30 years old. Bike insurance companies provide insurance plans to provide coverage for these vehicles against any damage. In simple terms, vintage bike insurance will ensure that you don’t have to ride with your vintage vehicle without worrying about its damage and repair costs. This is because an insurance company will take care of all the expenses incurred due to the damage to your vintage two-wheeler. 

Why Should You Buy Insurance for Vintage Two-Wheelers? 

Here are some reasons why you should purchase insurance for vintage two-wheelers:

  1. A third-party liability insurance policy is required and covers the costs associated with the repair or care of a third party's person or property.
  2. A comprehensive bike insurance policy offers financial protection against any damages to the vintage bike that may be caused by an accident, theft, riot, or natural calamities.
  3. If the two-wheeler insurance policy is frequently renewed and kept in force, then you may be eligible for no claim bonus. 
  4. Due to India's strict traffic laws, you must get two-wheeler insurance for upto third-party liabilities for your vintage bike in order to avoid paying fines.
  5. Your vintage bike insurance will also contribute to your feeling of security and peace of mind while using the vehicle on public highways.

What Points to Keep in Mind While Purchasing Two-Wheeler Insurance for Vintage Vehicles? 

Listed below are some factors that you should keep in mind while purchasing vintage bike insurance for your two-wheeler. 

  1. In India, it is mandatory by law to purchase an insurance policy for every vehicle for driving. If during the inspection, you’re found riding without an insurance policy, then you may have to pay a penalised either with a fine or imprisonment. 
  2. Due to the difficulty in finding specific vintage bike parts, repair costs in the case of an accident affecting your vintage bike could be extremely high. This could significantly increase the financial burden. However, comprehensive coverage for your vintage motorcycle will undoubtedly relieve some of that load for you.
  3. You can include numerous add-ons with your comprehensive bike insurance policy to cover potential repairing costs for your vintage bike in the case of damage brought on not just by accidents but also by man-made disasters like theft, riot, burglary, or others. 
  4. Always compare quotes from different insurance companies before purchasing. Simply, you can visit the online websites of bike insurance companies to explore the scope of coverage and other details of the policies. 

How to Purchase Two-Wheeler Insurance for a Vintage Vehicle? 

You can browse all the information on two-wheeler insurance plans while sitting at home. There are numerous bike insurance companies that provide bike insurance, so make sure that you explore different options. The main advantage of doing so is that you will have complete clarification on many variables, such as Personal Accidental Coverage, compensation in the event of theft, third-party insurance, the sum assured, and so on. In addition, compare different companies based on their claim settlement ratio and network of garages affiliated with an insurance company. 


Vintage bike insurance is a necessary requirement to drive on the roads of India. When purchasing bike insurance, it is wise to select comprehensive protection to ensure that you keep your vintage bike protected against damage. However, if you purchase only third-party bike insurance, then it will only cover the costs of third-party damages.

Also read: Best scooters Under 150cc in India


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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