Frequently Asked Questions
What is Vintage Auto Insurance?
Vintage Auto Insurance is an Ontario-based independent insurance broker specializing in insurance solutions for classic, antique, hot rod, custom, special interest, and modern collectible vehicles of all ages.
As an independent broker, we work with multiple specialty insurance markets, allowing us to help vehicle owners find coverage options that reflect how their vehicles are used, stored, and valued — rather than applying a one-size-fits-all approach.
Our focus is on providing knowledgeable guidance, access to specialty programs, and personalized service for enthusiasts, collectors, and owners of unique vehicles across Ontario.
What qualifies as a classic or collector car for insurance purposes?
A classic or collector car is generally a vehicle that is maintained for enjoyment, preservation, or limited use, rather than daily transportation. While age is often a factor, it is not the only consideration.
Eligibility typically depends on a combination of factors, which may include:
- The vehicle’s age, condition, and originality
- How the vehicle is used (for example, pleasure driving, shows, or events)
- How the vehicle is stored when not in use
- The driving record and insurance history of the owner
- Whether the vehicle has been restored, preserved, or modified
Because eligibility requirements vary by insurance market and program, not every vehicle qualifies under the same guidelines. As an independent brokerage, we help review each vehicle on its own merits and determine which specialty insurance options may be available.
Is Agreed Value insurance available for collector vehicles?
Yes - Agreed Value coverage is commonly available through our collector vehicle insurance programs, subject to eligibility and policy terms. With Agreed Value coverage, the vehicle’s value is established upfront and agreed upon, in accordance with the Insurer’s guidelines.
Are modified or customized vehicles eligible for coverage?
Yes, we insure modified or customized vehicles; however, certain types or levels of modification may be restricted by insurance markets.
Because eligibility varies, we recommend speaking directly with one of our licensed brokers to review your vehicle’s modifications and determine what coverage options may be available.
Can I insure more than one collector vehicle under the same policy?
Yes — many collector vehicle insurance programs allow multiple vehicles to be insured under the same policy, subject to eligibility and program guidelines.
Are classic cars required to be stored in a garage?
Yes — garage storage is generally required for collector vehicles under specialty insurance programs. Vehicles are typically expected to be garaged year-round when not in use.
Storage requirements can vary depending on the insurer and may include considerations such as:
- Fully enclosed garages
- Secure storage facilities
- Seasonal or off-season storage arrangements
Does Vintage Auto Insurance insure rare or high-value vehicles?
Yes — rare and high-value vehicles can be considered for insurance through specialty insurance markets we work with, subject to eligibility requirements.
How often should the insured value of a collector car be reviewed?
As a general guideline, collector car owners should revisit the insured value of their vehicle at least every five years to help ensure it continues to reflect the vehicle’s condition and market value.
It’s also a good idea to review the insured value sooner if there have been significant changes, such as a restoration, major upgrades, or notable shifts in the collector vehicle market. Any updates are subject to the terms, conditions, and acceptance of the insurance market.
Looking for coverage options for your vehicle?