Driver Qualifications


Driver Eligibility

  • 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 Usage

  • 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.