Frequently Asked Questions

With classic car insurance, you may only use your automobile for certain events, such as parades and shows. The occasional weekend drive is typically OK, but you may not use this vehicle for everyday use.

No. However, because your vintage beauty may need specialized care and handling under a covered claim, this type of policy will pay for repairs with a custom mechanic or even if you do them yourself.

Dropping your coverage is not advisable, even when you don’t plan to be driving for an extended period of time.  Your classic is still vulnerable to theft and other events, such as floods and fires. You may be able to negotiate for a lower monthly premium during this time.

Yes, you can. However, this will likely cost you more since standard auto policies are designed to cover vehicles that are on the roads (and in the path of accidents and other perils) daily. Plus, your classic car policy is for an amount that you and the insurer both feel is adequate. Standard insurance is market value (every year the value and coverage limits will drop for depreciation).

What Kind of Documentation is Required to Insure a Classic Car?

When applying for vintage car insurance, you’ll likely need to provide photos of the vehicle, proof of ownership, and details about the car’s condition and restoration history. You may also need to provide proof of how and where the vehicle is stored, as well as an appraisal to establish the car’s agreed value.

What Defines a Vehicle as ‘Classic’ for Insurance Purposes?

While the exact definition can vary by insurer, a car is typically considered “classic” if it’s at least 20 years old, kept in good condition, and primarily used for show or pleasure driving rather than daily commuting. Classic car insurance policies often cover vintage, antique, and historical vehicles as well.

Can I Drive My Classic Regularly with Classic Car Insurance

In most cases, the answer is no. Collector car insurance policies typically have mileage restrictions that limit how much you can drive the vehicle each year. These limits ensure that the car is preserved for its value and historical significance. That said, many policies allow for limited use, such as driving to car shows, exhibitions, or even the occasional joyride.

How Do I know If I’m Getting the Best Deal on Classic Car Insurance?

When comparing coverage for vintage cars, it’s important to consider more than just the price. Look for policies that offer agreed-value coverage, flexible repair options, and roadside assistance that caters to older vehicles. Some companies even offer discounts if you’re a member of a car club or if you store your vehicle in a secure facility.