Classic Car Insurance
What Is Classic Car Insurance?
Classic car insurance is designed to protect vehicles that are not just modes of transportation—but valued investments.
This type of coverage is ideal for:
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Antique cars (typically 25+ years old)
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Collector vehicles, rare or limited-edition models
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Restored or customized classics
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Seasonal-use vehicles driven occasionally or to shows
Unlike standard auto insurance, classic car policies consider the vehicle’s appraised value, limited mileage, and specialized care.
How Does It Work Differently Than Regular Auto Insurance?
Classic car insurance provides coverage based on agreed value—a predetermined amount you and the insurer agree your vehicle is worth.
Other differences include:
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Lower premiums due to limited use
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Mileage caps (e.g., under 5,000 km/year)
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Flexible storage coverage for garage-kept vehicles
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Specialized repair or parts reimbursement
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Protection during car shows, exhibitions, and trailering
Because your vehicle is unique, your policy should be too.
Why Insure with a Specialty Classic Car Policy?
Standard auto insurance may not fully account for your vehicle’s true value, rarity, or use patterns.
A classic car policy gives you:
Guaranteed value in case of total loss
Protection during transport or show events
Coverage tailored to rare parts and restorations
Peace of mind knowing your investment is properly insured
If your vehicle is more about pride and preservation than daily use, a specialty policy is the right fit.
What Affects the Cost of Classic Car Insurance?
Like any policy, premiums are based on risk—but with classic cars, the criteria are a bit different:
Appraised or agreed-upon vehicle value
Age and rarity of the vehicle
Annual mileage and usage limits
Where and how the vehicle is stored
Your driving record and insurance history
You’ll often pay less than with a standard auto policy, but still receive stronger protection for what matters most.
Get a Quote for Classic Car Insurance
Own a vehicle worth more than its odometer reading?