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Preserve & Protect: Classic Car Insurance
Your lifestyle matters to us. Compare pricing from 25+ markets with coverage that’s customized to fit your needs, and sees the value in your most prized possessions.
Enhanced protection for collectors and enthusiasts.
Our team of experts not only understands the intrinsic value of your vintage vehicle, but are committed to safeguarding your investment with the level of care and expertise that sets us apart as the premier choice for classic car enthusiasts.
Does your car classify?
We use three components to determine the eligibility of your 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 auto insurance in Ontario.
Third Party Liability
Covers the legal expenses if you’re sued after an at-fault accident
Accident Benefits
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
Covers damage to vehicle or other property not at-fault in an accident
Optional Coverages
Get to know what’s covered with your auto insurance in Ontario.
Collision Coverage
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
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
Covers tool boxes, 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.
Frequently asked questions
You’ve Got Questions? We’ve Got Answers!
Most classic car insurance policies have limitations on how often you can drive your classic car and may not allow it for daily commuting. It’s important to clarify your car’s usage with your insurer.
Yes, there can be differences. Vintage cars are generally the oldest, antique cars are usually over 45 years old, and classic cars are often at least 25 years old but not too old to be considered vintage or antique. Each category has its unique insurance considerations, so it’s important to verify these specs with a broker, prior to binding coverage.
Many classic car policies offer coverage options for vehicles under restoration or in storage. These options can be more affordable during periods when the car is not in regular use.
The value of a classic car is typically determined through appraisals, market research, and agreed-value policies. The owner and insurer agree on a value in advance to ensure the car is adequately covered.
Yes, many classic car insurance policies have mileage restrictions. You’ll need to agree to an annual mileage limit when setting up your policy, and exceeding that limit could affect your coverage.
Classic car insurers will have specific security recommendations. These can include secure storage, alarm systems, steering wheel locks, and tracking devices to protect your investment.
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