Classic Cars

Classic car policies are very similar to regular use auto policies; however, the valuation of your classic car typically appreciates rather than depreciates. Because coverage varies greatly by insurance carrier, it is important for you to understand what coverage you have and how it will respond in the event of a claim.

With a well written policy, the claim payment for damage to the vehicle will be determined based on a stated or agreed value, rather than actual cash value. This means your vehicle can be protected for its true value.

Eligibility

Does my car qualify for a specialty policy?

• Classic cars are usually required to be at least 15 years old. Exceptions can be made for limited edition or exotic models.
• Mileage restrictions may apply. Most classic cars are used less than 5,000 miles a year for activities such as club functions, exhibitions and occasional pleasure driving.
• Your car must be stored in a secure, locked facility.

Our personal lines specialists will help you properly protect your classic car properly.