Classic Car Insurance

Putting the time and effort into restoring a classic car to mint condition can be a rewarding and fulfilling experience. Don’t risk letting all of your hard work go to waste. Enjoy the peace of mind that comes with selecting the right classic car insurance.

Antique and classic cars, defined as those built over 30 years ago, have special insurance needs that differ from traditional vehicles.  Typically driven on a limited basis, many classic cars appreciate in value and have to be insured accordingly.

A classic car insurance policy generally includes the same coverage found in typical auto insurance, such as liability (bodily injury and property damage), collision, comprehensive and uninsured/underinsured motorist coverage. 

Classic car owners should consider the following issues when purchasing insurance.

  • Vehicle Usage -- policy should reflect limited mileage use.
  • Vehicle Storage -- insurers often insist that these types of cars be stored in a fully enclosed, locked garage when not in use.
  • Vehicle Valuation - Agreed-value policies are preferable to stated value policies because it guarantees that,in the event of a total loss, the insurer will pay the owner of the car the full amount listed on the policy, minus any deductible.

HUB has relationships with insurers who specialize in antique and classic cars and we can recommend the right coverage to meet your needs.

Contact a HUB personal insurance broker today.

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