Vintage black and silver motorcycle parked in front of a picturesque sunset.

Veteran, Vintage and Classic Motorcycle Insurance

Specialised insurance cover for motorcycles, trikes and scooters of a bygone era

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What’s Veteran, Vintage and Classic Motorcycle Insurance?

With Veteran, Vintage and Classic Vehicle Insurance, your older motorcycle, trike or scooter will be covered when you use it for hobby or recreational purposes, special occasions and Club plate use.

Key benefits

Even if your vehicle is written off, it still has value. If your vehicle is over 35 years old, you can keep the damaged vehicle at no cost.

More than just great cover

Customer care

Our Australian-based consultants are always here to help you.

Flexi excess discount

Reduce your premium upfront by selecting a higher basic excess.

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Multi policy discount

Save up to 10% on each policy when you take out more than one eligible RACV insurance policy.*

What does Veteran, Vintage and Classic Motorcycle Insurance cover?

With RACV Veteran, Vintage and Classic Insurance, you'll be covered for a range of events. Here’s a summary of what’s included:

Loss or damage to your vehicle

Caused by an accident, flood, fire, malicious act, storm, theft or attempted theft.

Up to $500 for emergency repairs

Following an incident to make your car secure or safe.

Liability cover up to $20 million

For unintentional collision damage to someone else’s vehicle or property.

Keep the damaged vehicle at no cost.

Even if your motorbike is written off, it still has value. If your motorbike is over 35 years old, you can keep it.

Up to $3,000 to repair or replace protective clothing

That is specifically designed to be worn while riding your motorcycle such as helmet, jacket, trousers, boots, or gloves.

This is only a summary of the inclusions for RACV Veteran, Vintage and Classic Motorcycle Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Cover for vehicles driven more than 9000km per year or used on a regular or daily basis.

Loss or damage from faulty workmanship or repairs, or the cost to fix faulty repairs, unless it is covered under Lifetime guarantee on repairs.

Cover for previous damage that hasn’t been repaired, like rust, scratches or dents.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Which vehicles are eligible?

Find out whether Veteran, Vintage and Classic Vehicle Insurance is right for you.

Vehicle age

  • Veteran vehicles: built before 1919
  • Vintage vehicles: built between 1919-1930
  • Classic vehicles: 15 years or older

Other conditions

Your motorcycle, trike or scooter must be:

  • kept under cover
  • driven no more than 9000km a year
  • used for hobby or recreational purposes only.

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by callling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

Because classic, veteran and vintage vehicles are only used recreationally and not as a primary mode of transport, the cost to insure the vehicle with a specialised policy is generally a lot less than what you might pay for general comprehensive cover with a regular vehicle.

This policy can cover full, club/historic and modified plate registration types. In some situations, an unregistered vehicle may also be insured.

Your vehicle will be insured for an agreed value. The agreed value that applies to your motorcycle, trike or scooter is shown on your current Certificate of Insurance. Factors that contribute to the agreed value include:

  • GST
  • Registration
  • On-road costs
  • Modifications, options or accessories attached to the vehicle.

Other RACV Motorcycle Insurance products

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Tips and advice for your motorcycle

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.