Frequently Asked Questions

We get asked lot of questions. Here are the most common, with their answers.

What vehicles are eligible for the antique/classic program?

Check out our eligibility requirements here.

Where am I covered? Where can I take my vehicle?

Taking your vehicle to a series of shows in New England? Taking a club tour through the Rockies? No problem at all. Your vehicle is covered in the continental United States, its territories and possessions, and Canada. Special arrangements can even be made to protect your vehicle on an overseas tour.

What’s an “Attendance Clause” and does J.C. Taylor have one in its policies?

An “attendance clause” requires that you remain with your collectible vehicle whenever it’s out and being used. So whether you’re at a car show, cruise-in, town parade, or summer picnic, an attendance clause would require you to remain close to your vehicle at all times. J.C. Taylor finds this unreasonable and impractical. Consequently, we do NOT have an attendance clause in our policies, and never have.

How can I use my vehicle?

The vehicle should be used primarily for hobby events such as shows, club functions, tours, and parades. An occasional nice day drive is also acceptable. The vehicle should not be used for errands or a commute to school or work.

Lately I’ve heard a lot about the need for “Agreed Value” coverage on collectible vehicles. What does “Agreed Value” mean, and does the J.C. Taylor policy include this coverage?

Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive.

What happens if I have a loss to my collectible vehicle?

Just contact J.C. Taylor claims department at 1-800-345-8290 or Help Point Claims at 1-800-527-3907. Our customers have been consistently impressed with the overall speed, knowledge, fairness, and superior quality of our claims service. When you have a claim is when the insurance really matters, and excellence in customer service is our number one goal. We’ll work with you to make sure that your claim is settled promptly and fairly.

Does J.C. Taylor have a mileage limitation on the policy?

There in NO mileage limitation in the J.C. Taylor policy (i.e. contract). We use a limit of 2500 miles per vehicle per year for underwriting (i.e reviewing) our potential business. We believe this limit is reasonable; however, customers who exceed this limit will never be denied coverage as a result.

Can I occasionally race my collectible vehicle?

Unfortunately, no. Racing and other timed events are specifically excluded under the policy.

Does J.C. Taylor require a deductible on Physical Damage coverage?

In most states, our modified program has a $250 deductible on physical damage coverages.