Provides liability coverage, accident benefits coverage, collision, and comprehensive coverage — same Ontario mandatory framework as standard auto insurance. All drivers must have insurance on every vehicle driven. Protecting a classic even when not driven (insured peril such as garage fire) is still recommended.

• Guaranteed insured value (agreed value)
• Lower premium (40%+ less than standard)
• Specialist broker and insurer with classic car expertise
• Expert claims service from people who appreciate classic vehicles

Yes. You can get full insurance coverage for eligible classic or antique vehicles. Our insurance brokers can get you several competitive classic car insurance quotes from auto insurance carriers to get you insured. Our auto insurance resource centre has more details on everything you need to know about car insurance coverage.

With a classic car insurance policy, you can get the same insurance coverage provided in a standard auto insurance policy, plus you will have added key benefits, including: A guaranteed, insured value for your vehicle; A lower premium for classic car insurance; Service from an insurance broker who can get you coverage from an insurance provider specializing in classic cars. The broker and the insurance company understand the importance of insuring your collector, vintage or antique vehicle; Claims service from experts who know classic vehicles, are well-educated in the classic and antique vehicle industry and appreciate your vehicle's importance to you.

Classic car insurance provides protection for collectible vehicles. It is different from standard auto insurance because of the different risks associated with owning these kinds of rare vehicles. A classic car policy is tailored to the value of your car and protects you financially against higher physical and economic costs in the event of an incident.

You need classic car insurance if your car is considered a classic due to its age, rarity or high-value qualities. Without proper coverage, you would have inadequate protection and insufficient value on your classic car, leading to extreme out-of-pocket expenses.

Requirements: minimum 10 years driving experience; clean driving record; car must be 25+ years old; not your daily driving vehicle; maximum 5,000 km per year (higher mileage can be considered). Also: no more than 3 moving violations over the past 3 years depending on insurer. Restrictions exist for racing vehicles and heavily modified cars with extreme horsepower.

Generally a vehicle manufactured more than 25 years ago. Some insurers will consider newer vehicles for modern collectible coverage based on their rare or collectible nature. Cars, trucks, and other vehicles can be considered classics. The key restriction: the classic car cannot be the owner's daily driver.

Not necessarily required, but secure garage storage is preferred and often required by insurers. Some insurance companies may accept other secure storage (e.g., rented storage units). Leaving a classic car exposed to elements without proper shelter will make getting Ontario classic car insurance difficult.

In most cases, yes — you can choose your preferred garage or mechanic, or handle repairs yourself to ensure the work is done to your standards and your classic vehicle is properly cared for.

Limitations include: vehicles used for commercial purposes, racing, or off-road use; highly customized cars with extreme horsepower. Speak with a broker to confirm eligibility.

Generally no. Most insurers require a minimum of 10 years driving experience. Hagerty specifically requires 10+ years. Some companies also impose a minimum age of 25. Younger car enthusiasts are encouraged to participate in restoration but not typically eligible as primary drivers.