Classic Car Insurance in Ontario
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Does Your Car Classify?
We use three components to determine the eligibility of your classic car insurance coverage: model, usage, and storage.
Model
Vehicles that qualify for this coverage include antique and classic cars with model years from 1884 to 1979, and classic trucks and SUV’s dated 1996 and older.
Usage
Vehicles which are not your daily driver, but are instead used for exhibitions, meetings, club functions, tours and pleasure driving.
Storage
Vehicles should be stored in a secure, enclosed structure such as a private garage, storage unit or pole barn, however other exceptions include driveways, carports, hauling trailers or parking garages.
Coverages
Get to know what’s covered with your classic auto insurance in Ontario.
Third Party Liability
Covers the legal expenses if you’re sued after an at-fault accident
Accident Benefits
Classic vehicle insurance provides funds for accident-related injuries
Uninsured Automobile
Covers all costs if a driver is uninsured, or flees the scene of an accident (ie. a hit-and-run)
Direct Compensation
Classic auto insurance covers damage to vehicle or other property not at-fault in an accident
Optional Coverages
Collision Coverage
Classic car insurance covers damage to your vehicle if you’re involved in an accident with an object or are at fault
Comprehensive Coverage
Covers damage to your vehicle from incidents such as hail, wind, water theft or vandalism
Accident Forgiveness
Provides one ‘free’ at-fault accident with no rate increase (granted you remain at the same company)
Depreciation Coverage
Protects your vehicle from depreciation when deemed a “total loss”
Emergency Roadside
Classic auto insurance covers the expenses related to towing a vehicle after an accident
Rental Car Coverage
Extends your insurance coverage to a rental vehicle, up to a maximum limit
Under Construction Endorsement
If you can prove you are actively restoring your vehicle, you may qualify for this additional coverage
Travelling Collector Endorsement
Not all car shows or rallies are local, and this coverage allows you to make the trip with added protection on your vehicle
Automobilia Coverage
Protects historical or collectible automotive items such as gas pumps, station displays, license plates, model cars, toys, posters and signs
Spare Parts & Tools Coverage
Classic vehicle insurance covers toolboxes, storage cabinets, and accessories needed to maintain your vehicle
Cherished Salvage
Should something happen that cannot be repaired, this coverage allows you to keep your vehicle and collect the full agreed upon value
Classic Auto Insurance in Ontario
If you own a classic car, Duliban Insurance Brokers can help you find the right coverage by comparing quotes for specialized car insurance. We offer insurance for classic, vintage, and antique cars, as well as collector vehicles and other specialty automobiles.
Classic car owners know their vehicles need special care, and their insurance should reflect that. Regular auto insurance may not be sufficient. Let Duliban Insurance Brokers tailor a policy to meet your specific needs.
What Is Classic Car Insurance?
Classic car insurance is designed for vehicles that are treasured and driven with care. Because of this, the premiums are typically much lower than for regular cars.
Our insurance partners encourage you to enjoy your classic car, whether it’s for a movie night, a local car show, or a weekend drive. In case of a claim, our chosen providers cover your car’s full value without depreciation. They also offer 24/7 roadside assistance, including flatbed towing with soft straps, ensuring high service standards.
Why Do I Need Classic Car Insurance?
In Canada, all vehicles must be insured, regardless of how often they’re driven or if they’re stored in a garage. Classic auto insurance is not only more affordable but also offers key benefits such as:
- Lower premiums. Insuring a classic car is often over 50% cheaper than insuring a daily driver.
- Agreed value. The value of your car is determined at the start of the policy, protecting you from depreciation.
- No mileage limits. Enjoy more flexibility with no fixed mileage limits on your classic vehicle.
When Do I Need Classic Vehicle Insurance?
You need to insure your classic car as soon as you own it, regardless of usage frequency or storage conditions.
Classic Car Insurance Quote
Your policy will be customized to your vehicle and needs. Since our partners specialize in collector and classic car insurance, you’ll receive coverage tailored to you at an affordable rate. Premiums depend on factors like location, vehicle usage, type, and driving record. Higher risk factors will increase your premiums.
Classic Auto Insurance in Ontario with Duliban Insurance Brokers
Duliban Insurance Brokers is a trusted name in Ontario for classic car insurance, offering:
- Personalized service. Our team works closely with you to understand your vehicle’s specific needs and provide a policy that offers optimal protection.
- Competitive rates. We offer competitive premiums that reflect the unique nature of classic cars and their typically lower usage.
- Expert knowledge. With years of experience in the industry, we have the expertise to advise you on the best coverage for your classic car.
Get a Quote Today
Protect your classic car with a policy from Duliban Insurance Brokers. Visit our website here to learn more and get a personalized quote. Ensure your cherished vehicle is protected with insurance designed specifically for classic cars, giving you peace of mind every time you hit the road.
Frequently Asked Questions
To obtain a classic vehicle insurance quote, you typically need to provide:
- Information about the car’s make, model, year, and condition.
- Information on any modifications or restorations.
- How you plan to use the car (e.g., shows, parades, occasional drives).
- Storage details, such as whether the car is kept in a garage.
- Your driving history and insurance claims history.
Classic car insurance with Duliban Insurance Brokers will save you money and get your policy quickly.
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