Do You & Your Vehicle Qualify?
Do I Qualify for Classic Car Insurance?
Our ability to offer low premiums is a direct result of our clients being some of the most responsible drivers on the road today. The ability to continue to offer these very competitive rates is dependent on several important factors in the approval process. In order to qualify for classic car insurance you must meet the following requirements:
- Usage – The best classic collector car insurance allows you the freedom to enjoy your ride the way you want. So we provide coverage for vehicles used for hobby and/or collector car activities with occasional pleasure driving. It just can’t be used for business use of any kind or as your daily vehicle (i.e. commuting to and from work, and extended vacations not including collector vehicle activities).
- Security/Storage – Collector vehicles should be stored in a locked garage when not in use. Higher valued vehicles should be stored in a garage which is monitored 24/7 for fire, burglary, and heat. A tracking/anti-theft security system may also be recommended for installation on the vehicle.
- Driving Record – In general, one or two minor traffic convictions or claims may be acceptable. We cannot offer coverage to those who have experienced major or criminal convictions such as impaired driving, careless/dangerous driving, or suspensions within the past 10 years. All operators must be fully licensed with over 10 years of driving experience. Please note that all household driving records are subject to review.
- Daily Vehicle – Every licensed driver must maintain a daily usage vehicle with insurance under his or her own name.
What About My Car? Does It Qualify for Classic Car Insurance?
Contrary to popular belief, we do insure more than just classics and antiques. Traditionally, classics and antiques are what most considered collectors, and of course make up a huge portion of what we insure. However, we know that collector cars are no longer just vintage vehicles from the Gatsby’s era. They can include modified vehicles such as street rods and replicas, newer limited production vehicles and even some exotics. As mentioned above, if the car isn’t your primary vehicle and you only use it for weekend drives, car shows, and other similar events, then it could qualify for our classic car insurance. Check below for more detailed descriptions of the vehicles we qualify for classic car insurance:
Antiques and Classics
Automobiles that are at least 25 years of age including commercial weight collectible automobiles such as: retired military trucks, retired semi/dump/tow/trucks, and retired farm tractors.
Limited and Special Editions
Limited or late model production automobiles that are 24 years of age or less with special edition packages or rare features that are considered collectible, with an annual production of not more than 25,000 units.
Modified - Street Rods and Replicas
Automobiles that are at least 15 years old that have been customized from their original manufactured state for purposes of appearance or enhanced performance. This does not include updates to vehicle safety systems, such as modernized brakes or passenger restraints, or a new, non-custom paint job.
Manufactured within the past 14 years featuring cutting-edge design, technology or performance with annual production number of 3,000 or less. They are considered collectible because of the specific make, model, year of manufacture, and exceptional physical condition which has not been altered from their original state.
Vehicles That Don’t Make the Cut
Of course there are exceptions to every rule, and the same goes for the vehicles we can insure. We don’t offer insurance for:
- Motorcycles, Trikes, or All-Terrain Vehicles
- Any vehicles used in any type of racing activities (e.g. time trials, drifting, burnout competitions, etc.)
- Any vehicles used for towing/hauling, camping, off-road or utility-type driving, or commercial use
- Pro-street vehicles modified exclusively with racing equipment such as wheelie castors, parachutes etc. (show-use only vehicles may be given consideration)
- Tuners or any vehicles used in Stereo/Sound competitions or shows
- Any vehicle powered by Nitrous Oxide, Propane, Alcohol, or Nitro Methane fuel systems
- Homemade or Handmade vehicles. Professionally built vehicles may be given consideration.
- Low riders
- 1963 – 1967 Shelby Cobra Roadsters replica automobiles
- Japanese manufactured Right-hand drive vehicles less than 25 years of age
- Tanks and X-Military Vehicles with Tracks
- Dune Buggies or Sand Rails