PersonalClassic car
Personal insurance
Classic car insurance
Agreed-value coverage for collector vehicles, priced for cars that are driven carefully and rarely.
In plainEnglish
A standard auto policy pays what a car is “worth” by book value. A collector policy pays the value you and the company agree on up front. In exchange, the car is garaged, driven a limited number of miles, and not used for commuting.
Covers
- Agreed value with no depreciation
- Liability on the road
- Spare parts and tools
- Coverage in transit and at shows
Doesn’t cover
- Daily driving and commuting
- Vehicles without secure storage
- Restoration in progress unless endorsed
Who needs it
- Collectors, restorers, and weekend drivers
- Owners of antique, exotic, or modified vehicles
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