Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
Read more →Personal Insurance
Classic & Collector Car
Agreed value, limited mileage, and a settlement that reflects what the car is actually worth.
What this cover does
A standard auto policy settles on depreciated book value, which is close to meaningless for a restored or collectable vehicle. Collector cover sets an agreed value up front, so there is no argument about the number after a loss.
Typically included
- Agreed-value settlement fixed at policy inception
- Liability, collision and comprehensive
- Spare parts and tools
- Cover at shows, rallies and on club runs
- Transport and trailering cover
Common add-ons
- Restoration cover with rising value during the work
- Limited or unlimited mileage options
- Cover for vehicles in long-term storage
- Multi-vehicle collection scheduling
Questions
What people ask about classic car
How is agreed value set?
From documented condition, recent comparable sales and in some cases an appraisal. It is written on the policy and paid in full after a total loss, with no depreciation applied.
Can I drive it normally?
Collector policies assume occasional pleasure use and most carry a mileage limit. If it is a daily driver it needs a standard auto policy instead.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Classic & Collector Car
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.