Are you eligible?

First, a few basic requirements must be met.

To qualify for the Antique/Classic Auto Insurance Program, vehicles must be at least 19 years old*, and:

  • Factory original; i.e. there should be few changes from the factory original specifications.
  • In good or restored condition.
  • Be kept in a fully enclosed, locked garage.
  • Be used primarily as hobby vehicles: used in exhibitions, club activities, parades, or other functions of public interest. An occasional nice day drive to keep the vehicle in running order is perfectly acceptable
  • We do not impose a mileage limit on our Antique/Classic Auto Insurance Policy. However, we do use a very reasonable underwriting limit.
  • Club affiliation is not required.

Applicants and operators listed/insured on the policy must:

  • Be at least 25 years of age.
  • Have a good household driving record with no more than one moving violation and one at fault accident in the past 3 years. NOTE: Serious violations beyond 3 years may be subject to Underwriting review.
  • Provide with their application:
  • At least one clear, current, color photo of the vehicle (preferably a front-corner view).
  • An appraisal is not required, but may be needed if the requested insurance value exceeds the general collectible market price for your particular vehicle.