Who we can help
A closer look at your exposure.
Owners of classic, vintage, collectible and specialty vehicles, including collections.
Value, limited use, storage and restoration can make a collector vehicle different from a daily driver. Modifications, events, overseas travel and transport also need to be disclosed.
What to discuss with your broker
Vehicle valuation
Discuss how value is established and whether an agreed-value arrangement is offered.
Damage & theft
Review deductibles, repair considerations, parts and storage security.
Use & eligibility
Clarify permitted driving, driver requirements and the availability of another vehicle for daily use.
Collections & restoration
Review multiple vehicles, restoration projects, transit and changes in value.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Vehicle details, photographs and supporting valuations
- Modifications, restoration details and purchase information
- Storage arrangements and intended annual use
- Driver information, other vehicles and claims history
A question worth asking
Can I use a collector policy for everyday driving?
Usage restrictions vary by insurer and program. Describe commuting, errands, events and estimated distance accurately so the offered policy matches how you drive.