What is agreed value?

You and the insurer agree on your car's value up front, and that's what's paid on a total loss — no depreciation arguments. It's the standard for collector vehicles.

Can I drive my collector car daily?

Collector policies usually limit mileage and exclude daily commuting, which keeps premiums low. We'll match the policy to how you actually drive it.

Are restorations and spare parts covered?

Yes — coverage can include spare parts and work in progress. Tell us about your project and we'll arrange it.

Collector Car Insurance

Your classic deserves more than a standard policy — agreed value, built for collectors.

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Classic and collector cars appreciate rather than depreciate, so a standard auto policy that pays actual cash value can leave you short. Collector car insurance uses an agreed value you set with the insurer, protecting your investment for what it's truly worth.

From restored classics to modern collectibles, we work with specialty insurers who understand the hobby.

What's covered

Agreed-value coverage based on your car's true worth
Specialized rates for limited-use vehicles
Coverage for shows, tours, and club events
Spare-parts and restoration coverage options
Flexible mileage allowances for collectors

Good to know

Frequently asked questions

What is agreed value?: You and the insurer agree on your car's value up front, and that's what's paid on a total loss — no depreciation arguments. It's the standard for collector vehicles.
Can I drive my collector car daily?: Collector policies usually limit mileage and exclude daily commuting, which keeps premiums low. We'll match the policy to how you actually drive it.
Are restorations and spare parts covered?: Yes — coverage can include spare parts and work in progress. Tell us about your project and we'll arrange it.

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