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A few basic requirements must be met.
To qualify for the Antique/Classic Auto Insurance Program, vehicles must be at least 19 years old*, and:
- Factory original; i.e. there should be few changes from the factory original specifications.
- In good or restored condition.
- Be kept in a fully enclosed, locked garage.
- Be used primarily as hobby vehicles: used in exhibitions, club activities, parades, or other functions of public interest. An occasional nice day drive to keep the vehicle in running order is perfectly acceptable.
- We do NOT impose a mileage limit on our Antique/Classic Auto Insurance Policy. However, we do use a very reasonable underwriting limit.
- Club affiliation is not required.
Applicants and operators listed/insured on the policy must:
- Be at least 25 years of age.
- Have a good driving record with no more than one moving violation and one at fault accident.
- Provide with their application:
- At least one clear, current, color photo of the vehicle (preferably a front-corner view).
- An appraisal is not required, but may be needed if the requested insurance value exceeds the general collectible market price for your particular vehicle.
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Some examples include:
Sports Cars, Muscle Cars, Convertibles, Coupes, Retractables, Station Wagons,
Vintage Motorcycles, Woodies, Corvettes, Sedans, Steam Automobiles, Horseless
Carriages, Light Trucks, Farm Tractors, Antique Delivery Trucks, Military Vehicles.
*NOTE: In TX, vehicles must be at least 15 years old. In MA, however, vehicles must be at least 25 years old.
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