We want you to enjoy your classic, collector, or antique car knowing you are insured properly. How car insurance works can be slightly different for vintage rides. Our experts will help you get affordable classic car insurance without sacrificing coverage.
With ThinkInsure, you can compare quotes from the top classic car insurance companies in Ontario. We'll find you a personalized policy for your needs so you can drive your beauty with confidence.
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Many classic car enthusiasts make the mistake of protecting their collector car with standard coverage. You could be getting inadequate coverage and paying too much for it.
Classic car insurance works very similarly to normal car insurance in Ontario and other parts of Canada. You can customize a policy to your unique needs. This results in better protection for you than what is offered by standard policies.
Many associate classic cars with age, and they are right. However, classic cars are actually older than many realize.
The Classic Car Club of America defines them as, "fine or unusual motor cars which were built between and including the years 1915 to 1948. All of these are very special cars that are distinguished by their respective fine design, high engineering standards, and superior workmanship." However, there are some exceptions to this definition. Some vehicles produced post-1948 are classified as classics.
An antique car is at least 30 years old. Collector cars are not classified by age, but by limited availability and great demand. Vintage cars are cars produced between 1919 and 1930. Definitions may vary.
Here are a number of rules that must be met in Ontario and other provinces :
Determining the value of your classic car has a direct impact on premiums. Here are some online collector car valuation tools to reference :
The cost of classic car insurance mainly depends on the assessed value of the vehicle. An appraisal determines the value of your vehicle. Your insurer can provide you with a list of approved appraisers.
Even though they tend to have more value, they are often cheaper to insure. Why? Owners drive them less, making them less likely to get into an accident.
There are many types of classic car insurance you can get based on your vehicle's age, type, and if it is a collector car. Here are the main types :
How do you define an antique car or a classic stock vehicle? Essentially, if it was built from 1900 to 1972, it likely fits the bill. You will want to get antique car insurance if this is the case for you.
Some people will suggest that if a vehicle is 20 or 25 years old, it is automatically a classic. Just as people believe that any piece of furniture or art over 50 years old is automatically an antique. This isn't quite true for vehicles, and there's a good reason for it.
As automakers' production numbers grew significantly in the mid-'70s, quality standards fell. This had an effect on which vehicles are collectibles. Some mid-'70s and '80s vehicles are not collectibles. Not many 4-door sedans from the mid-'70s and '80s are collectible. There are plenty of vehicles that are collectible. They reflect one or more of the following characteristics :
Some cars are instant classics and attract loyal followings that help make them collectibles. For example, if these cars are made by Ferrari or Lamborghini. Limited production vehicles - such as the Dodge Viper or Plymouth Prowler are collectibles.
Eligible model years are vehicles 15 years old or older. Vehicles 0-14 years old can still be eligible.
Helping define exotic vehicles are characteristics such as cutting-edge design, technology, or performance - as well as production numbers. Generally, exotic vehicles have annual production numbers of 3,000 or less.
Special interest vehicles have rare features or special edition packages that avid hobbyists consider collectible. Depending on their use, some contemporary vehicles may qualify for less expensive collector car insurance that offers the proper protection.
There are a whole host of other categories of vehicles that are precious and need protection. Here are a few we can help with :
The best classic car insurance depends on many factors. Your vehicle type, age, value, and classification can all affect the rates offered by insurers. Compare car insurance quotes from multiple companies to find the best plan to meet your specific needs.
Most insurers prefer drivers of classic automobiles to be at least 25 years old. Most people with vehicles in this category are over 50 drivers. They also prefer that you have more than 10 years of driving experience. Consult your insurer to get clarification about their policy requirements.
Not all insurers offer classic car policies. Many of the top insurers do offer it, but they require you to have other policies with them as well.
Many assume that getting a classic car policy is more expensive. This is actually a myth.
The same amount of classic car insurance can cost a fraction of the price of what it would cost to insure your vehicle through a standard policy. This is a great reason why you should explore options.
Note : Some insurers offer coverage only if you combine it with your home and auto insurance. But don’t worry. Bundling qualifies you for even more cost savings, so it’s a win-win situation!
Are you a young driver and looking for classic car insurance? Most collector car policies require that you have a minimum of 10 years of continual driving experience. This disqualifies most young drivers from being able to get it.
The OPCF 19A rider refers to the agreed value of automobile endorsement in Ontario. It ensures you receive the appraisal amount in the event of a total loss claim. This is an important part of the protection. Most classic car insurance policies include this endorsement.
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