Exploring Classic Car Insurance
For many, the opportunity to own a classic car is the rewarding culmination of years of hard work and passion. Classic cars present a unique risk, and their coverage can’t be written like a standard auto policy, which often undervalues their true worth. To properly protect your prized investment, we represent the finest specialty carriers in the industry. Our policies are designed with agreed value coverage, ensuring you are paid the full pre-determined amount in the event of a total loss. We also provide coverage for specialized repairs, spare parts, and even automotive memorabilia. Let us craft a policy that protects not just your vehicle, but your passion and legacy.
What Risks Does It Cover?
- Total Loss
- Specialized Repairs
- Spare Parts
- Automotive Memorabilia
- Agreed Value
- Undervaluation Protection
- Theft Damage
- Passion Projects
- Legacy Protection
Frequently asked question
Agreed value coverage means you and the insurer agree upon your classic car’s value upfront when the policy is written. In the event of a total loss, you receive that exact amount—without depreciation deductions—ensuring your investment is fully protected.
Standard policies calculate payouts based on actual cash value (depreciated value), which will significantly undervalue a classic car. They also lack coverage for specialized repairs, spare parts, and memorabilia that are essential for proper collector vehicle protection.
Your policy covers repairs using original manufacturer parts (OEM) or period-correct components, performed by technicians who specialize in classic vehicle restoration—not just general auto repair shops.
Yes, classic car policies typically include reasonable usage terms that allow for shows, parades, exhibitions, and casual pleasure driving while excluding daily commuting—helping preserve your vehicle’s value and status.
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