Collector Car INSURANCE
Built to be cherished. Covered accordingly.
That garage-kept classic is not just an old car. Make sure your policy knows the difference.
WHO IT’S FOR
Built around your life.
Classic car enthusiasts, antique vehicle owners and collectors who drive for enjoyment rather than daily commuting.
What it typically covers
- Agreed-value options with eligible specialty carriers
- Covered collision, theft and storage losses
- Liability during eligible pleasure drives and shows
- Options for spare parts and specialized roadside assistance
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Agreed value and stated value are not interchangeable.
02 / WORTH A CONVERSATION
Daily use, mileage and storage rules differ by carrier.
03 / WORTH A CONVERSATION
Restorations, modifications and track events require a careful review.
STRAIGHT ANSWERS
A few things you might be wondering.
What does agreed value mean?
You and the insurer agree on the insured value upfront. For an eligible covered total loss, settlement follows the policy’s agreed-value terms rather than typical depreciation.
Can I take it to a cruise-in?
Specialty policies often allow pleasure driving and shows. We will confirm usage rules, mileage and any restrictions.
What if I am restoring it?
Values change as a project progresses. Tell us about parts, work in progress and transport so we can explore suitable coverage.
Let’s talk collector car.
Tell us what matters. We’ll help you find the right fit.