Classic Car Insurance Coverage

From antique to classic, special interest or modified your car is your baby. You work hard to keep it running at it’s peak and increase it’s value so it’s important that it’s protected. When you’re driving a classic car you’ll need all of the same kind of insurance you’d need for your regular car, but since you likely don’t drive year round and you use it significantly less, classic car insurance is the right choice for your pride and joy.

Requirements for Classic Car Insurance

Age of the Car
The Insurance Bureau of Canada defines classic cars as cars older than 15 years old.

Original
Some insurance companies require a certain percentage of the car to be original, meaning parts haven’t been replaced.

Limited Use
Most classic car policies have strict rules about how often and what you can use your classic car for. Typically it can only be used to get to and from shows, occasional pleasure outings and may only be driven in certain seasons and under certain distances.  For most insurance companies this means that you must have a primary car for your daily driving.

Safe Storage
Our harsh Canadian winters force even the most enthusiastic car owner to store their classic for the winter. Insurance companies usually want proof that you’ve stored your car in a safe place.

Good Driving Record
The older the car the riskier it tends to be, that’s why most insurance companies require drivers to have at least 10 years of driving experience and at least 3 years of clean driving; that means no tickets, demerit points or other problems.

Protect your prized ride with us. Our team will work with you to find coverage based on your needs.

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