Antique & Classic Car Insurance

The Basics

Since you have purchased a classic or antique vehicle, you'll also want to properly insure your investment. When insuring a classic car, you must consider how you will be using the vehicle:

  • Will you only drive the vehicle to car shows or in a few parades? If so, your policy should be limited to those circumstances.
  • Will you use your antique vehicle to go to the grocery store, hit the beach or visit a relative? Then your policy should reflect this kind of use.

A Typical Classic Car Insurance Policy Includes The Following

  • Agreed Value Coverage: Pays for the car's full-insured value with no depreciation in the event of a total loss, less your deductible.
  • Inflation Guard: To compensate for inflation and appreciation, the policy increases the vehicle's value quarterly.
  • Spare Parts Coverage.

Additional Coverage Options

You can also purchase additional coverage:

  • Emergency Towing: In case of breakdown
  • Roadside Assistance
  • Emergency Lockout
  • Emergency Travel Expenses: In case your vehicle breaks down while away from home.
  • Theft Reward
  • Car Show Expenses: This policy will pay for expenses associated with missing a car show due to a breakdown.
  • Personal Effects: This policy will reimburse you for items that are vandalized or stolen when reported to police.

Have questions about your automobile insurance? Call Heritage Insurance's knowledgeable staff today at (306) 693-7640.


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