Because we provide low-cost, Agreed Value coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated, including:
Camping, off-road, or utility-type vehicles
Late-model vehicles that have been highly customized for looks or performance (commonly referred to as “tuners”)
Vehicles that are highly customized for appearance and suspension (commonly referred to as "lowriders")
Motorcycles or scooters
Replicas of the 1963-67 Shelby Cobra
Vehicles that are used for racing, timed events, autocross or driver's education
Vehicles modified with features such as a roll cage, wheelie casters, parachutes, nitrous components or modifications that permanently remove the roof and/or doors
Vehicles with 700 hp or greater (manufactured or modified)
Right-hand drive vehicles newer than 25 years, specifically those imported from Japan such as a Nissan Skyline, Toyota Supra or Toyota Land Cruiser
Motorhomes or recreational vehicles
Do You Qualify for Our Classic Car Insurance?
In order to qualify for our Agreed Value classic car insurance you must meet the following requirements:
Our policy allows you reasonable pleasure use, with no fixed restrictions — it just can't be your daily driver.
Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use — such as a private garage, pole barn or storage unit — we will consider other storage types, including*:
Car hauling trailers
We are not able to offer coverage to drivers with a serious infraction within the last three years. Serious infractions include:
Excessive speed violations
All household members with a valid driver's licence must have a regular-use vehicle for daily driving.
Motorcycles and public transportation are not considered viable regular use vehicles by our program in most cases (contact us for details).
Applicants must also maintain regular-use insurance in their own names.