Luxury and Vintage Cars

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Premium Classic and Vintage Car Insurance for Automotive Collectors

Secure your automotive masterpiece with specialized coverage designed specifically for luxury, vintage, and classic vehicles.

What is Luxury & Vintage Car Insurance?

Insurance for classic car insurance policy and vintage car protection can cost about 40% less than a traditional auto policy despite having specialized feature covers. The rates are usually less as classic cars are not used for everyday use like a luxury car would be.

To buy the most optimal exotic car coverage, a classic or vintage vehicle insurance must be kept enclosed in a garage, not used as your daily vehicle, and be in good working condition.

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    Choice Of Valuation

    Classic and vintage cars are prized assets where the value can change over time. Given this peculiarity of the collection, such cars can be insured at an appraisal-based agreed value for adequate cover. Most antique-specific supercar insurance policies have the OPCF 19A endorsement.

    With our specialized valuation approach:

    • You agree on a fixed value with the insurer upfront
    • No depreciation is applied during the policy term
    • Values can be reassessed and adjusted annually
    • Appreciation in collector value can be factored in
    • Rare components and custom features are included in valuation

    This approach ensures that your vintage car protection or luxury car insurance accurately reflects the true collector value rather than standard market depreciation models used for everyday vehicles.

    Breakdown And Laid Up Cover

    Specialized custom car insurance not only protects you for accidental breakdowns but for laid-up risk. This protects your classic car in the event of accidental damage, or fire and theft, including spares and accessories in storage, while your vehicle is off the road being restored, in transit or being exhibited.

    Our comprehensive coverage includes:

    • Roadside assistance with specialized classic car knowledge
    • Coverage during professional restoration periods
    • Protection during transport to shows and events
    • Security for vehicles in long-term storage
    • Coverage for tools and spare parts associated with the vehicle

    This specialized coverage acknowledges that vintage and luxury vehicles spend significant time in various non-driving scenarios that still require protection.

    Have a Classic Protection Cover

    Your luxury car insurance plan should cover the cost of any original replacement parts and specialized labour, so that your car remains a classic after repair. Financed vehicles should have gap insurance to cover the difference between fair market value and what you still owe on the car.

    Essential elements of proper classic protection include:

    • Original manufacturer parts coverage when available
    • Specialized mechanical expertise for repairs
    • Authentic restoration techniques and materials
    • Diminished value coverage after repairs
    • Options for full replacement with comparable vehicle

    This is particularly important for exotic car coverage and vintage car protection plans, where improper repairs can significantly diminish both the authenticity and value of your prized vehicle.

    Frequently Asked Questions

    Yes, most policies allow for limited event and exhibition use.

    Through agreed value appraisals with specialized assessors.

    Yes, including hard-to-find components for vintage models.

    Limited approved modifications are permitted with prior notification.

    Yes, with special rates for classic and modern vehicle combinations.

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