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Eligibility
 

Vehicle Usage

  • Annual Mileage Plans (Antiques & Classics) - 1200, 6000 or Unlimited
  • Annual Mileage Plans - 1000, 3000 or 5000.
  • Vehicles are not to be used for:
    • Work/school commutes
    • Regular personal use
    • Business/commercial use
    • Track, racing or timed events of any kind whether competitive or not
    • A substitute for a regular, personal use vehicle
    • Backup transportation
  • Vehicles must be stored in a fully enclosed, locked garage when not in use.

Driver Requirements

  • All licensed drivers in the household may not have more than 1 moving violation or at-fault accident in the past 3 years. A maximum of 2 per household.
  • An operator with a major violation is ineligible for the program.
  • Licensed drivers must have at least 10 years driving experience in order to be eligible for coverage. Any member without 10 years driving experience must be excluded from the policy (supplemental form required to be signed by insured and excluded driver (s)).
  • Each licensed driver in the household must have a regular use vehicle, which is insured with limits equal to or higher than the limits being applied for on the collectible vehicle. At least one regular use vehicle must be less than 15 years old.
  • All licensed members of the household and any other drivers of the vehicle must be listed on the application.

Vehicle Valuation

  • Contact the company prior to quoting vehicles in excess of $100,000 or $300,000 per collection.
  • The value of any one covered auto may not be less than $3,000 for non-modified vehicles and $10,000 for modified vehicles.
  • We reserve the right to adjust vehicle values based on established pricing guidelines such as Old Cars Price Guide, NADA or CPI.
  • We generally do not require appraisals, but may ask for one if the vehicle value exceeds $50,000.

Definition of Eligible Vehicles

  • Truck and Jeep type vehicles: Photographs of the bed area are mandatory. Truck and Jeep type vehicles must be over 25 years old and of show quality/condition and not reflecting any potential of towing, hauling, off-road or utility use.
  • Antique vehicle - manufactured at least 25 years ago, which doesn't deviate from factory available equipment/accessories of that model year.
  • Classic vehicle - manufactured over 15-24 years ago which doesn't deviate from factory available equipment/accessories of that model year.
  • Modified vehicle - originally manufactured 20+ years ago, which has been mechanically and/or drastically cosmetically altered from it's original power and structural configurations, but retains it's original identity.
  • Exotic vehicle - vehicle < 15 years old that is modified or not that is a unique make, model year or manufacture, market value, performance capability and exceptional physical condition, is considered to be increasing in value, rather than depreciating. Agreed value is not available.
  • "Kit" or "Replicars" cars built from purchased packages are not eligible except where assembled by the manufacturer of the kit or a reputable, experienced assembly shop. Credentials may be required at the underwriter's discretion. These vehicle types should be rated as modified.
  • Vehicle condition - any vehicle(s) with the following are ineligible for our program: chassis or interior, which is not running/operational, which is weathered, wrecked, and/or stripped, or is useful for only parts, and/or prior damage has been done.
  • Eligible subject to the underwriter's discretion - call for prior approval:
    • Vehicles equipped for drag racing
    • Vehicles under restoration
    • 4 door vehicles less than 25 years old
    • Lowrider cars and trucks
    • Vintage fire engines
    • Military vehicles
    • Antique farm equipment
    • Antique motorcycle