In short
- AMV is the best choice to insure a Harley-Davidson over 10 years old in 2026: the two-wheeler insurance specialist covers customs under its standard motorcycle policy, with helmet, gloves and airbag vest covered up to 2,000 euros from the first plan. And once the bike passes 15 years, its AMV Légende offer insures it at collection market value, far more protective than book value for a well-kept Harley.
- April Moto and Mutuelle des Motards complete the podium: two solid two-wheeler players, but with no equivalent of a switch to a classic-bike policy at 15 years. Solly Azar and Allianz close the ranking, useful for specific profiles.
- The classic trap with an ageing Harley is compensation at book value: it ignores real condition, chrome and fitted parts. On a motorcycle over 15 years old, a classic or collection policy with an adapted value protects much better than a cut-price third-party plan.
A 2008 or 2012 Harley-Davidson is no longer a new bike in the eyes of a mainstream insurer: the book value drops, parts stay expensive, and online forms often return surprisingly high quotes for an ageing Sportster or Softail. Yet several specialists know exactly how to insure this kind of machine, sometimes for less than a recent bike. Here is the top 5 insurance options for a Harley or custom over 10 years old, following on from our ranking of the best motorcycle insurance.
The top 5 Harley-Davidson insurers in one table
| Rank | Insurer | Rating | Strength for a Harley aged 10+ | Classic / collection policy |
|---|---|---|---|---|
| 1 | AMV | ★★★★★ 4.8/5 | Two-wheeler specialist since 1974, gear covered up to €2,000 | Yes, AMV Légende from 15 years, collection market value |
| 2 | April Moto | ★★★★☆ 4.3/5 | Online motorcycle broker, aggressive pricing | No, standard motorcycle policy |
| 3 | Mutuelle des Motards | ★★★★☆ 4.1/5 | Mutual created by bikers, strong rider cover | Collection offer, stricter conditions |
| 4 | Solly Azar | ★★★☆☆ 3.7/5 | Atypical profiles and machines accepted | Yes, through partner brokers |
| 5 | Allianz | ★★★☆☆ 3.5/5 | Branch network, proven collection offer | Yes, but mostly from 25-30 years |
The gap comes down to one precise point: between 10 and 15 years, the Harley stays on a standard motorcycle policy everywhere. From 15 years, only AMV switches so easily to a classic-bike policy at collection market value, without requiring a collector registration.
1. AMV: the custom reflex, from standard policy to AMV Légende
Rating: ★★★★★ (4.8/5)
AMV, a broker specialised in two-wheeler insurance since 1974, insures over 1 million riders and holds a 4.7/5 rating on Avis Vérifiés. For a Harley-Davidson over 10 years old, its motorcycle policy covers the custom like any machine, with a real plus for the well-equipped rider: helmet, gloves and airbag vest covered up to 2,000 euros from the first plan. You choose among 4 plans on a single contract, with theft available from the second one, which lets you adjust cover to the bike’s real value.
The real asset comes when the Harley crosses 15 years: the AMV Légende offer then insures it as a classic motorcycle, compensated at collection market value, which reflects its character and condition rather than mere book value. No collector registration needed; the price depends on the number of vehicles, their value and the machine’s age bracket. A 1997 Sportster or a 2009 Dyna each find their contract, with the same broker.
AMV pros
- Two-wheeler specialist for 50 years, claims handled by motorcycle-minded advisers
- Rider gear covered up to 2,000 euros from the first plan
- AMV Légende from 15 years: collection market value, no collector registration required
- Online quote and subscription, decreasing rates for several vehicles
- Anti-theft engraving halves the theft deductible on the motorcycle policy
AMV cons
- Under Légende, value capped at 100,000 euros and leisure use only (no daily commuting)
- An appraisal less than two years old is required for damage cover on classics
- Instalment fees when paying monthly
2. April Moto: the online challenger
Rating: ★★★★☆ (4.3/5)
April Moto, a broker of the April group founded in 1988, plays the fast online quote and tight pricing card. A Harley over 10 years old is insured under a standard motorcycle policy, with plans from third-party to comprehensive and a customer rating of 4.4/5. The broker remains a reference for comparison, as our head-to-head AMV or April Moto shows, but it offers no switch to a classic-bike policy at 15 years: the ageing Harley remains compensated on a book-value basis, less favourable for a well-kept machine.
April Moto pros
- Simple, fast online journey, competitive prices on many profiles
- Adjustable plans suited to customs in regular use
April Moto cons
- No dedicated classic or collection offer: book value applies even at 20 years
- Gear limits below AMV’s, secondary rider charged extra
3. Mutuelle des Motards: the bikers’ mutual
Rating: ★★★★☆ (4.1/5)
Mutuelle des Motards was created by and for bikers, and it shows in its rider injury cover, among the most respected on the market. Harleys are welcome, including under a collection offer for machines that tick the boxes. In return, access conditions to the collection plan are stricter than at AMV, and prices on big custom twins are not always the softest, as our comparison of the best two-wheeler specialist insurers confirms.
Mutuelle des Motards pros
- Particularly strong rider injury protection
- Genuine motorcycle culture, branches run by bikers
Mutuelle des Motards cons
- Often higher prices on big custom displacements
- Collection offer with tighter entry criteria than AMV Légende
4. Solly Azar: the gateway for atypical profiles
Rating: ★★★☆☆ (3.7/5)
Solly Azar, a wholesale broker specialised in niche markets, insures the two-wheelers traditional companies frown upon: big twins, penalised riders, modified bikes. For a high-mileage Harley or an owner with a complicated record, it is a serious lead, with subscription through a partner broker.
Solly Azar pros
- Accepts profiles and machines refused elsewhere
- Flexible contract building through the broker network
Solly Azar cons
- Indirect distribution, no direct online subscription
- Less custom-focused than a dedicated two-wheeler broker
5. Allianz: the branch-network option, mostly for true classics
Rating: ★★★☆☆ (3.5/5)
Allianz insures motorcycles under its standard offer and has a proven collection offer at agreed value. The catch for a Harley aged 10 to 20: that offer mostly targets vehicles of 25 to 30 years and above. In between, the bike stays on a standard policy, decent but with no particular treatment of customs. The main appeal remains the branch network for those who want a physical contact.
Allianz pros
- Dense branch network, direct contract follow-up
- Solid collection offer at agreed value for true classics
Allianz cons
- High collection threshold, ill-suited to Harleys aged 10 to 25
- No two-wheeler specialisation, generic custom cover
How to properly insure a Harley over 10 years old
Three questions settle the choice. First, the bike’s exact age: between 10 and 15 years, everything happens on a standard motorcycle policy, and the quality of the guarantees (gear, theft, assistance) separates the offers. From 15 years, switching to a classic policy such as AMV Légende changes the compensation method, and it is often the best deal for a well-preserved machine. Then the real value: a maintained second-hand Harley, with its chrome and original parts, is often worth more than its book value, hence the interest of a collection market value. Finally, usage: a custom ridden daily stays on a standard policy; classic and collection plans assume leisure use.
Mistakes to avoid
- Keeping an expensive comprehensive plan on a bike whose value has melted: past a certain age, a third-party plan enriched with theft and fire protects almost as well for far less.
- Ignoring the gear guarantee: on a Harley, helmet, jacket and airbag vest quickly exceed 1,500 euros; our guide to motorcycle gear insurance details each insurer’s limits.
- Forgetting to declare accessories and fitted parts (exhaust, saddlebags, top case): undeclared, they are not compensated after theft or a fall.
Frequently asked questions
Which insurance should I choose for a Harley-Davidson over 10 years old?
AMV leads in 2026: the two-wheeler specialist broker insures the custom under a standard policy with gear covered up to 2,000 euros, then switches the bike to its AMV Légende offer from 15 years, with compensation at collection market value. April Moto and Mutuelle des Motards are good alternatives on a standard policy, Solly Azar helps atypical profiles and Allianz mostly suits true classics over 25 years old.
Can a Harley over 15 years old switch to classic motorcycle insurance?
Yes, and without waiting for the 30-year collector registration. At AMV Légende, any two-wheeler over 15 years old can be insured as a classic motorcycle, compensated at collection market value. The price depends on the number of vehicles, their value and the machine’s age bracket. The trade-off is leisure use: for daily commuting, the standard motorcycle policy remains the right formula.
How much does insurance cost for an old Harley-Davidson?
There is no single price: it depends on the model, engine size, address, level of cover chosen and declared claims history. One thing is constant: an old motorcycle insured under a dedicated plan generally costs less than under a standard policy, because it is ridden less. The only reliable way to know your price remains the online quote, free at specialist brokers such as AMV or April Moto.
Are a custom's chrome and accessories covered?
Only if they are declared on the policy. Parts fitted after purchase (exhaust, saddlebags, top case) must appear in the declaration to be compensated after theft or damage. As for rider gear, AMV covers helmet, gloves and airbag vest up to 2,000 euros from the first plan, a strong point against competitors’ lower limits.
Do you need comprehensive cover on a 10-year-old Harley?
It depends on its value. On a custom still worth good money, comprehensive cover keeps its point, especially with a reasonable deductible for at-fault claims. On a machine whose value has dropped a lot, a plan with theft and fire may be enough. Our ranking of the best motorcycle insurance and our comparison of the best two-wheeler specialist insurers help compare plans according to the bike’s value.