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Custom Built Motorcycle / Motorbike Insurance Quotes for Custom Bikes

Getting insurance for custom motorcycles can be a difficult and expensive affair. There are certain issues that affect the premiums and an insurer must keep these points in view before having his custom made bike insured.

Custom Built Bikes / Motorcycles

A custom built bike is a brand on its own and is difficult and expensive to replace in the event of an accident. Thus be prepared to shell out more money for insurance premiums. The factors that affect premiums are the size of the displacement engine and whether the bike is a sports bike or a cruiser.

The size of the displacement engine increases the performance, costs and also the premiums you need to shell out. Your usage patterns of the bike will also affect the premiums. If your usage is just for leisure or interest, premiums may be lower. But if your usage is regular or for sporting events and special purposes, prices may be high.

Types of Biker / Rider

A teenager has to pay more in premiums, as the rate of claims is higher. The amount of premiums decreases as age increases, and a 25-year-old may have to pay much lesser in premiums. Also, if your driving record is clean with minimal claims and tickets you may get a good discount on the amount you need to shell out.

Type of Custom Motorbike Insurance

There are various insurance policies that you can choose from. The basic types are third party only, third party fire and theft and comprehensive insurance. Specialist motorcycle insurance companies also offer two distinct policies for motorcycle.

The former allows insurance of a specific bike, which can be used by multiple people, while the latter allows a specific rider to be insured on bikes up to a particular size limit. You may be more interested in specific bike policies as your bike is custom designed and precious to you.

Type of Custom Motorcycle Insurance Companies

The more the types of insurance, the greater are the number of insurance companies offering different options. While many insurance companies are skeptical about insuring motorcycles due to the high claim rate, you may opt for specialist insurance companies also. These people are better equipped to understand your requirements and provide you with insurance that best suits your needs. You can also avail of special support services like driving lessons, pick up in case of accidents etc. Before you make a choice of the insurance company it is advisable to research the various options available before you.

View the Motorbike Insurance Guide