Antique Insurance for Cars

Classic cars are a timeless piece of history, cherished by car enthusiasts and collectors alike. They are more than just a mode of transportation, they represent a period of elegance and style. As a classic car owner, you want to make sure that your car is protected in case of any damage or theft. In this article, we will discuss how antique insurance for cars can provide the necessary coverage for your classic car.

What is Antique Insurance?

Antique insurance is a type of insurance that is designed specifically for classic cars. It provides coverage that is different from regular car insurance policies. Antique insurance policies are tailored to protect the unique value and conditions of classic cars, which are often irreplaceable original or restored vehicles.

Antique insurance is an important investment for classic car owners. Since classic cars are rarely driven and are often stored in a safe location, the premiums for antique car insurance can be much lower than those for regular car insurance policies.

What Types of Cars Qualify for Antique Insurance?

Generally, cars that are 25 years or older qualify for antique insurance. However, some insurance companies may have different qualifications based on the value, rarity, and usage of the car. It’s important to discuss these qualifications with your insurance provider before purchasing a policy.

What Does Antique Insurance Cover?

Antique insurance policies cover a wide range of scenarios, including:

  • Damage caused by accidents, fire, theft, and natural disasters
  • Liability coverage in case of injury or damage caused by your classic car
  • Lost or stolen keys and lock replacement costs
  • Emergency road services

Antique insurance policies may also offer additional coverage options, such as agreed value coverage, which is a type of coverage that guarantees a specific value for your classic car in case of total loss.

The Benefits of Antique Insurance

There are many benefits of antique insurance for classic car owners, including:

Protection for Your Investment

Classic cars are not just vehicles, they are investments. Antique insurance provides the coverage you need to protect your investment in case of any damage or theft.

Stress-Free Restoration

If your classic car is damaged, restoring it can be a stressful and expensive process. With antique insurance, you can have peace of mind knowing that your insurance policy will cover the cost of restoration.

Lower Premiums

Antique insurance policies often have lower premiums than regular car insurance policies. This is because classic cars are typically driven less frequently and are stored in safe locations, reducing the risks of accidents or theft.


How Do I Purchase Antique Insurance?

You can purchase antique insurance from a variety of insurance providers. It’s important to shop around and compare policies and prices to make sure you are getting the best coverage for your classic car.

Is Antique Insurance Required by Law?

Antique insurance is not required by law, but it is highly recommended for classic car owners. Regular car insurance policies may not provide sufficient coverage for classic cars, which can result in costly repairs or replacement costs in case of damage or theft.

What Should I Do If My Classic Car is Damaged?

If your classic car is damaged, it’s important to document the damage and report it to your insurance provider as soon as possible. Some antique insurance policies require that you use a specific repair shop or provide estimates before authorizing repairs, so it’s important to review your policy carefully.

What Factors Affect Antique Insurance Premiums?

Antique insurance premiums are determined by several factors, including the value, usage, and condition of your classic car. The location where the car is stored and driven can also affect the premiums. It’s important to discuss these factors with your insurance provider when purchasing a policy.

Can I Drive My Classic Car with Antique Insurance?

Most antique insurance policies have limited mileage restrictions, which means that you can only drive your classic car for a certain number of miles per year. If you plan to use your classic car as a daily driver, you may need to purchase additional coverage or a different type of insurance policy.


Antique insurance is an important investment for classic car owners. It provides the necessary coverage to protect your investment in case of any damage or theft. If you own a classic car, consider purchasing antique insurance to ensure your peace of mind and protection of this timeless piece of history.