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Classic Car Insurance in Ontario

You don’t treat your classic car like your everyday car, so your insurance shouldn’t either.

With classic car insurance from Duliban, we can protect your classic car with a custom-made protection program developed for your prized possession.

Free Online Classic Car Insurance Quotes for Ontario

We are as passionate about the right coverage for your classic as you are about driving it. Duliban offers the best classic coverage you need without the price tag you don’t. Whether you are cruising around town or parked at a car show, we want you to feel confident your ride is protected. That confidence comes from knowing we partner with the best in the business, Hagerty classic car insurance.

Duliban specializes in classic cars as well as your individual needs, usage and interests. Their policy is designed for classic cars and built to make sure your car can be passed onto the next generation.

Classic Car Insurance Details

Classic car insurance differs from your daily driver policy. While some coverages may be the same, how it works is entirely different. For example, you can’t drive your classic every day. Let’s look at what qualifies for vintage car insurance in Ontario.

Classic Car Insurance Rules

Usage. As long as it is not your daily driver (and it meets the age requirements) you qualify. You can use your vintage car for exhibitions, organized meetings, club functions, tours and some pleasure driving only.

Storage. It’s best if your classic car is stored in a secure enclosed structure like a private garage, storage unit or pole barn. But other types of storage may be acceptable as well. Such as driveways, carports, car hauling trailers or parking garages.

Vehicles that qualify for classic car insurance include antique and classic cars with model years from 1884 to 1979. As well as classic trucks and SUVs with model years 1996 and older.

Why you should choose a classic car policy instead of standard policy to cover your vintage ride.

Lower Premiums. We get that your car is a passion and will be driven with great caution, so policy premiums are adjusted accordingly. In some cases, up to 40% less than daily driver insurance. On some standard auto insurance policies, your vintage care may be rated like a daily driver, and you’ll be charged like you are using it every day.

No Fixed Mileage. Our classic car policy allows you flexible usage, which means no fixed mileage limits. In some situations, if you have full coverage through a standard car insurance carrier, there could be restrictions on mileage and usage to regulate how and when you drive your classic.

Your Car is Worth it. With an agreed value policy, you will get what your car is worth in the event of a total covered loss. On the flip side, a Stated Value policy, also known as “stated amount” or “maximum limit of liability” will not pay the full vehicle value that’s shown or “stated” on the policy. Concerning a covered total loss, you could receive much less than that stated amount, because the insurer has the right to either pay your vehicle’s depreciation actual cash value or the cost to replace your vehicle whatever is less. Also, many standard insurers that offer stated value policies require appraisals periodically to confirm the insured amount, adding cost and difficulty to the client.

Coverage Details

Classic car insurance cost is determined just like standard auto coverage. It basically boils down to the limits and coverages you choose. Just like your daily driver policy, there are basic coverages included on your vintage car policy.

Basic coverages included:

Liability. If you are in an at-fault accident that results in injury or damage to the other driver’s person or vehicle, this covers it.
Uninsured Motorist. If another driver is at fault in an accident but doesn’t have enough or any insurance, this covers your expenses.
Physical damage. This is for your damage to your car. Collision pays for damage if you collide with a tree or other vehicle. Comprehensive covers things like theft or damage from hail.
No Fault or Personal Injury Protection. With this coverage it doesn’t matter who is at fault, it will kick in and pay for your medical expenses and lost wages.

Next up: the coverages that make your specialty auto coverage.

Agreed value. This is the amount you and the insurer agree your vintage car is worth. In the event of a covered claim, you’ll get what your car is worth after the deductible.
Spare parts coverage. This is an ideal coverage for all avid collectors. All those vintage parts you have around to keep your classic running are now protected. Up to $750 of comprehensive coverage
Instant, new purchase coverage. 30 days of coverage for up to $50,000 of the vehicle value for new collectible cars.

Add-ons available:

Vehicle Under Construction Endorsement. If you can prove that you are actively restoring your vehicle, you may qualify for this coverage. Your car’s agreed value will increase automatically 10% per quarter up to a maximum increase of $25,000. Plus $750 worth of coverage for your automotive tools. And a toll-free number dedicated to classic and collectible vehicle towing professionals who can assist you in getting your car back and forth from the shop.

Traveling Collector Endorsement. Not all car shows or rallies are local. With this coverage, you can roll down the road with the peace of mind, that if something terrible happens, you have the protection to deal with it. You will have $1,500 for the use of a rental, repayment for expenses like tickets, fees, food, and lodging during repairs. $750 extra coverage for spare parts and tools and $250 for personal effects. $10,000 of accidental death coverage per accident, $500 of which can be used for a family pet.

Automobilia Coverage. Is your garage decked out to match your vintage vehicle? This coverage is for you. Get protection for historical or collectible automotive items such as gas pumps, station displays, license plates, model cars and other toys, posters and signs and many more!

Spare Parts & Tools Coverage. Just like the spare parts needed to maintain your classic car, the tools required are special too. This provides coverage for all your tool boxes, storage cabinets, and accessories needed to maintain your vehicle.

Cherished Salvage. Your vintage car is more than just a vehicle. If something happens that can’t be repaired this coverage allows you to keep your vehicle and collect the full agreed value. This means no salvage will be deducted from your final payment if you choose to keep your vehicle.


Here's What Some Of Our Awesome Client Family Is Saying

Jaysus from the thousand islands
Jaysus from the thousand islands
I was in a pinch and needed insurance for my new business. Never having obtained commercial insurance before I knew it would be challenging. After calling numerous companies it became clear that Duliban was the right choice. They were very professional, had amazing response times, and got me the insurance I needed. I wouldn't consider any other company for my insurance needs.
Tracey Saulnier
Tracey Saulnier
Holly and Trevor have provided excellent service so far in giving us a very competitive quote and following through with the sign up process. We are new to the company so we will give a further review after we’ve been with them a while. So far- we are really impressed!
David Martino
David Martino
A terrific experience all around. Domenic and his team were quick, efficient and got us great home and auto insurance policies at an excellent price. Clear and effective communication throughout. Highly recommended.
Ryan Lymer
Ryan Lymer
I did an online multi-quote, gave me multiple quotes from companies in my area, and a few from outside my region. Thought to myself, that's too good to be true, so I disregarded it. About 20 minutes later, Amy, from Duliban Brokers gave me a call. She was very professional and very informative. Gave her the basic information to start a policy. Even though their offices closed at 2pm on Saturday, she went above and beyond with setting everything up for me on her end. Everything was online and easy. Had my new vehicle insured for the following Monday. Would absolutely recommend friends and foes to consider using Duliban Insurance Brokers for their insurance needs. Thank you so much Amy, I am beyond happy with my service.
Mike Virk
Mike Virk
Must give them try holly Moore gave me 5 star service.
John Delgaty
John Delgaty
A huge thank you to Domenic Tollis for finding the best possible insurance coverage for our vehicles and home. Domenic has excellent communication skills, is proactive and patient. He answered all of our questions and worked hard on the various scenarios presented to him. Other companies should take note of this kind company/client relationship. Well done Domenic and Duliban Insurance!!
Joan D
Joan D
Our car insurance was coming up for renewal with TD Insurance and I tried to get a lower rate with no luck. I didn’t have the time or energy to call multiple insurance companies for quotes. I’ve never used a broker before and a friend recommended Duliban. I’m so glad I called! It took 20 minutes on the phone with Warren Drake and I saved $160 per month for our cars and we have a 17 year old casual driver in the house. Our coverage is all the same except lower deductibles with Duliban (CAA had the best rates for us). The rates for home insurance were so good that we renewed early and took a penalty. I wouldn’t hesitate to recommend Duliban and Warren Drake, very professional, great customer service and they’re local to Niagara 😊
Raelynn Found
Raelynn Found
Holly provided excellent customer service and made my transition from my previous Insurance company quick and easy. She provided me with a rate at half the price I was previously paying. We spoke over the phone and via text which made it very easy for contact throughout my busy day. I highly recommend Holly and Duliban Insurance!!!

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