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Classic cars are more than automobiles – they are history preserved and deserve protection as distinctive as the vehicle itself.
At Collings Insurance Brokers, we offer refined, tailored coverage that safeguards your prized automobile on the road, at exhibitions, or while kept safely in storage.
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How Classic Car insurance can protect you.
Classic Vehicle Insurance safeguards your prized automobile by covering its unique value, usage, and the specialized liabilities that come with owning, showcasing, or driving a vintage car.
To qualify, your vehicle must be at least 20 years old and appraised. Coverage extends up to the vehicle’s appraised value unlike standard auto policies that rely on depreciated cash value. These low-mileage policies also provide protection while you showcase your classic at exhibitions and car shows.
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Coverage for what’s important to you
Classic Car Insurance is designed to include the coverages most important for your peace of mind, such as:
- Third-party liability including bodily injury and property damage
- Physical damage coverage for not at fault claims
- Accident benefits
- Coverage up to the appraised value of the vehicle
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Collision covers physical damage to your vehicle in the event of a collision with an object or another vehicle while comprehensive covers all claims other than collision such as fire, theft or vandalism. These can be purchased as a pair or separately.
A mandatory coverage in Ontario, this protects you financially if you are found legally responsible for injuring someone or damaging their property in a collision, covering costs such as medical expenses, repairs, and legal fees.
Provides financial support if you’re injured in an auto accident or as a pedestrian, helping with medical treatment, rehabilitation, income replacement, and other recovery expenses—no matter who was at fault.
Frequently Asked Questions
Because every classic vehicle is unique, an appraisal ensures your policy reflects its true market value. With the OPCF 19A endorsement, your car is insured up to its appraised worth, not just depreciated cash value.
Yes. Classic Vehicle Insurance is designed for limited use and extends to exhibitions, parades, and classic car shows, so your prized vehicle is protected even when it’s on display.
Classic cars are generally driven less frequently and with greater care, which means reduced risk for insurers. As a result, premiums are often lower compared to standard auto policies.
In Ontario, most insurers consider a vehicle to be classic if it’s at least 20 years old, well-maintained, and primarily used for exhibitions or occasional pleasure drives rather than daily commuting.