Great rates for classic car coverage in Ontario
If you have an antique or collector vehicle, you know it maintains its value over time while other cars depreciate. That’s what classic car insurance is for. We’ll help you insure the full value of your vehicle, often without an appraisal, and save on premiums if your vintage ride is not for daily use.
Bundle discounts on home and auto insurance
Not only can we help you save on classic car coverage, we can also save you up to $600 through home and auto insurance bundles.
As an outlet for over 70 of Canada’s top insurance companies, we have access to some of the best rates around for whatever coverage you need. Just ask.
We cover all kinds of antique, vintage and collector vehicles
No matter what kind of classic you drive, we’ll get you awesome coverage for your treasure.
Antique classic cars
Whether it’s a classic Bel Air or Carroll Shelby’s finest Cobra, we’ve got great coverage.
Hot rods, replicas and modified
Own a vintage mod? We can help you insure it for what it’s worth.
Save on insurance for your Lil’ Red Express, Chevy Cameo or Jeep Scrambler.
Retired commercial vehicles
Refurbished a ’25 Morris Cowley or ’67 ice cream truck? We’ll make sure it’s protected.
Collector trailers and campers
We’ve got you covered with excellent options for your vintage Airstream or Teardrop.
Classic military vehicles
Military buffs, we have coverage for your Dodge WC52, Bantam Jeep or other retired army vehicle.
Get coverage for the full appraised value of your old Massey Ferguson and more.
Classic bikes and more
We’ll insure that vintage Ducati or other collector motorcycle for what it’s really worth.
Good to know: Common questions about classic car insurance
Does my vehicle qualify for classic car insurance?
To qualify for classic car coverage, your vintage beauty needs to meet a few requirements. Some insurers may have slightly different rules, but generally:
Age – We can insure vehicles that are newer that 20 years old so long as they are collectible in some way. This usually means limited production models or cars that the insurers just seem to deem collectible. Examples would commonly include things like Porsches, Corvettes and even small convertibles like Audi TTs and Mazda MX5s. They are even now getting into pickup trucks. Other insurers define classics as 1948 models and earlier, and vehicles older than that may be called vintage or antique.
Usage – In Ontario, your classic vehicle should be for limited pleasure use in the summer and not driven in the winter. It shouldn’t be the car you drive every day to get to work and run errands. Some insurers have annual kilometre limits.
Storage: Insurers expect that your collector car will be put away and kept indoors for the winter. This helps reduce the risk of damage and maintains the value of the vehicle.
How is classic car insurance different from standard car insurance?
Unlike standard auto insurance, which is based on the declining value of a car, coverage for a collectible car needs to consider the possible appreciation in its value as well as replacement value.
Classic car insurance is also intended for limited pleasure or leisure use. This vehicle is not the car you drive every day. Some insurers only allow a limit of 5,000 kilometres of driving each year.
Is an appraisal needed?
In most cases, appraisals are not required. That being said, because of the time and money you’ve invested in your prized ride, it may be worthwhile to still get an expert appraisal done to assess its value. You may be able to use this to protect your car based on Agreed Value Coverage, providing extra peace of mind in the amount it’s insured for.
Being an outlet for over 70 of Canada’s top insurers means we have access to a wide range of insurance solutions at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them.