A classic or collector vehicle may have a very different value, usage pattern, and ownership profile from a typical daily driver.

What can specialized classic & collector vehicle insurance cover?

• Agreed Value Establishes the vehicle’s value with the insurer in advance, so a covered total loss can be settled based on that agreed amount, subject to the policy terms.

• Comprehensive and collision coverage Helps protect the vehicle against covered physical damage, including accidents, theft, vandalism, fire, and other covered causes of loss.

• Restoration coverage May be available for vehicles being restored, including projects that aren't yet ready for the road.

• Spare parts and accessories Helps protect specialized parts, equipment, and accessories you keep for maintaining or restoring your vehicle.

• Flexible vehicle use Collector vehicles are often driven differently from everyday cars. Coverage can be tailored around appropriate use, such as shows, club events, exhibitions, parades, or occasional pleasure driving.

• Specialized towing and roadside assistance Access to towing and roadside services appropriate for collector vehicles can be especially valuable when you don't want your classic treated like an ordinary daily driver.

• Flexible storage considerations Where and how a vehicle is stored can be an important part of its insurance profile, particularly for vehicles that spend much of their time in a garage or other secure location.

• Multi-vehicle collections If you own several collector vehicles, there may be opportunities to insure them together and receive multi-vehicle discounts, depending on the insurer and eligibility.