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Classic and Collector's Car Insurance: Coverage for Value

We know that age, rarity, value, unique features, limited use, availability of parts and services, and popularity across generations make Classic and Collector Car's more desirable than a "daily use" auto. So we know that the insurance for such a ride, is just as important.

We offer inclusive classic auto and collector car insurance programs...

  • muscle cars

  • classic cars

  • antiques

  • exotics

  • street rods

  • customs

  • kit cars

  • Cobra replicas

  • race cars

  • trucks

  • motorcycles

  • military vehicles

  • tractors

  • fire engines

  • restorations in process


Collector car insurance is all about the “agreed value”

We only recommend an agreed value total loss settlement. Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount. The deductible of course applies, but there is no depreciation and no misunderstanding.

Some other specialty classic and collector auto policies, and a typical daily-use auto policy, offer stated value coverage. It’s not the same. In fact, it is really just actual cash value coverage with a maximum limit – the stated value – and the carrier pays the vehicle’s market value which it determines after the loss. If the market value has dropped since the policy was purchased, then that lower dollar amount is the payout.

Coverage highlights

  • Agreed value loss settlement

  • Broad usage allowance

  • Mileage plans include unlimited miles

  • Date and specific time of the loss

  • Deductible options from $0 to $10,000

  • Flexible payment options


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