Bespoke insurance from the classic specialists

Bertie Simmonds
April 18, 2019

When you buy a classic motorcycle – whether it’s a minty fresh white 1980 Yamaha RD250LC or a seen-better-days Honda FireBlade in the timeless red, white and blue livery – choosing the right insurer is vital.

The last thing you need when you’re anxiously stripping down your new pride and joy to see what horrendous bodges have been perpetrated against it by previous owners is to discover that your new insurer has tacked on a few little extra fees for ‘administration’ and ‘document handling’.

It’s important to have confidence and trust in your insurer – that they are going to understand the giddy highs and (occasional) bolt-shearing, paintwork-ruining lows of owning a beautiful classic machine from an era when manufacturers and owners did things rather differently.

They also need to understand that although you might need cover for a bike you ride every day, you might also need cover for a bike that’s going to be spending a lot of time being worked on in the garage.

It’s this knowledge, understanding and up-front approach to the cost of insurance that sets RH Specialist vehicle insurance firmly apart from the rest. They will never demand extra payments for renewing, policy adjustments*, document duplication, cancellation or posting. What’s more, underwriting performance and/or specialist vehicles are particular specialties.

RH offers a bespoke approach to underwriting your motorcycle’s insurance policy with no hidden fees and charges which means you’ll never go through the process of handing over your details, getting a quote, and then discovering to your considerable disgust that with all the additional charges it’s suddenly become more expensive than some of the other quotes you got in the first place.

With RH it’s simple and straightforward – the price you’re quoted is the price you pay. It’s as simple as that.

And that’s not all. RH are also specialists in underwriting those future classics we keep telling you about here at CMM. Providing you have one or more motorcycles registered prior to 1991 insured with RH, they will consider covering your entire fleet under a discounted multi-motorcycle policy.

You will also receive automatic cover for attending club rallies, cover for dismantled parts up to the value of the motorcycle, subject to being kept in a locked garage or building, and ‘cherished salvage’: unlike other insurers, RH offers free and automatic return on all motorcycles over 20 years old.

If you’re looking for an insurer who understands what you need and who’s going to be completely open and honest with no hidden fees, look no further than RH.

  • No fees for policy adjustments. In fact, only a material change in risk, such as an increase in value will potentially have an effect on your premium.

All quotes have been based on: Policyholder – male, aged 45. General Manager. Clean licence held 25+ years. Postcode: IP7. Member of a motorcycle club.

• 1981 Yamaha RD 350LC, approximate value £7k = £74.46 plus insurance premium tax. £50 excess. Kept garaged overnight.

About the Author

Bertie Simmonds

As a child Bertie (well, Robert back then… blame his sister for the nickname) was exposed to motorcycles thanks to his uncles. They would show up at his house with a lovely lady as pillion throughout the 1970s and 1980s. After a naughty time on field bikes (it’s what we did back then) Bertie passed his test in the early 1990s and became a reporter for MCN in 1995, moving to the sports desk and covering World Superbikes in 1996. With a change to Bike Magazine in 1997, he stayed until 2000 as news, features and road test editor. Moving into PR with Cosworth, Bert was bored with cars and returned to bikes in 2001 with Two Wheels Only, becoming editor in 2002 and leaving to be freelance at the end of 2004. With almost a decade freelancing, Bertie joined Mortons in 2013 and became editor of Classic Motorcycle Mechanics, a post he’s desperately clung to, to this day. And no, he’s never had a pretty girl on the back of his bike.

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