Auto coverage
Classic and collector cars.
A standard policy pays actual cash value, which is the wrong answer for a car that appreciates. Collector policies agree the figure up front.
What it covers
The parts worth getting right.
- Agreed value, settled when the policy is written
- Restoration and spare parts cover
- Limited use rating for cars that are not daily drivers
- Cover at shows, and in transit to them
Commonly missed
Restoration work raises the value long before anyone updates the policy. Agreed value should be revisited whenever real money goes into the car.
Get a QuoteWorth knowing
Actual cash value is the wrong settlement for a car that goes up in value.
Common questions
Asked most about this.
How is the value agreed?
You and the insurer settle a figure when the policy is written, usually supported by an appraisal, and that is what it pays.
Can I still drive it?
Yes, within a limited use rating. Shows, weekend runs and getting there are normally fine; commuting is not.
More auto coverage
Also under auto.
Car insurance
The mandatory coverage, plus the parts people skip.
See coverageMotorcycle insurance
Seasonal, and rated very differently by each insurer.
See coverageBoats, ATVs and snowmobiles
Toys on land, water and snow.
See coverageRideshare and delivery
Uber, Lyft and food delivery, covered properly.
See coverage
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