What You Need to Know About Antique Car Insurance

Here at St. Clair Insurance Brokers Inc., we understand that an antique car is often both a sentimental possession and a valuable commodity. In the event that your antique car becomes damaged, our team won’t be able to help you with the emotional toll, but we can protect you from the financial loss. In this article, we’ll go over some key things you need to know about antique car insurance to help you decide if this coverage is right for you.

  • Driver Eligibility- The first thing that we at St. Clair Insurance Brokers Inc. want you to know about antique car insurance is that you have to meet certain standards as a driver in order to qualify. Most insurance companies won’t offer you coverage if you have had one or more serious infractions–such as alcohol-related offenses, excessive speeding or reckless driving–in the past three years.
  • Usage Requirements- Most antique car insurance companies have specific limitations on how much you can use your antique vehicle. While you can drive it as part of club events or exhibitions, it can’t be the vehicle you drive for your everyday commute.
  • Storage Requirements- Another thing that we want you to know about antique car insurance is that most insurance companies want you to have a safe place to store your car, rather than just parking it wherever you can find space. Ideally, this storage facility will be a secure, enclosed structure such as a private garage or storage unit, but your carport, driveway, or car hauling trailer may also be acceptable.

If you have further questions, please reach out to our team at St. Clair Insurance Brokers Inc. to discuss whether antique car insurance is right for you.