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Classic Car Insurance

Coverage that protects and preserves a piece of history

A classic car is a collector’s item, and your priority is preserving its exceptional condition for years to come. Rest assured; our classic car insurance solutions offer the protection you need.

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What is Classic Car Insurance?

Classic car insurance is designed to meet the specific needs of vintage and collectible car owners. It offers enhanced coverage that reflects the unique value and care these vehicles require. From financial protection to preserving sentimental worth, this coverage ensures that your car’s story continues for generations.

Types of coverage

Classic car insurance typically includes similar coverages to standard car insurance, and specialized coverage options for collectors, including: 

  • Accident benefit coverage 
  • Collision or comprehensive 
  • Liability of non-owned vehicles 
  • Personal injury and property damage liability 
  • Specialized repairs or restorations 

Agreed value coverage for total peace of mind

We understand how important it is to protect the value of your car, and that is why we offer agreed value coverage. By agreeing on the current value upfront, we ensure that you will receive that amount in the unfortunate event of a total loss. No depreciation. No surprises. Just the protection your car deserves.

Protection for your prized possession.

Your classic car is a piece of history and holds significant sentimental value. Keep it protected with insurance solutions as unique as your vehicle.

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Frequently asked questions

Find answers to common questions about classic car insurance.

Does standard car insurance cover a classic car?

When it comes to classic cars, standard insurance may fall short in fully protecting their value. Standard policies factor in age, mileage, and depreciation, potentially undervaluing customized or restored classics. This undervaluation could leave owners financially exposed in the event of repairs after an accident.

What qualifies as a classic car?

In Ontario, a vehicle may qualify as a classic if it’s at least 10 years old, with some policies requiring 25 years. Rare, limited production, or historically significant cars may also be eligible, regardless of age.

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