What Kind Of Cars Do We Cover?
While we may offer a “classic car” insurance policy, the coverage offered by this policy spans far beyond just classic cars. At Burton & Company, we cover a broad range of special vehicles. Here are just a few.
Classic
Your classic car is 10 to 24 years old, is well-kept, and has historic interest, such as a hot rod.
Vintage
Your vintage automobile was manufactured between 1919 and 1930.
Antique
Your antique vehicle is 25 years old or more, is well-kept, and has historic interest.
Muscle
Your muscle car is a powerful, high-performance vehicle like those that were popular in the 1960s.
Qualifying For Classic Car Insurance
There are a few requirements that must be met to qualify for classic car insurance, and they are not necessarily based on the age of your car. Here’s a look at some of the typical requirements.
Type Of Vehicle
To qualify as a classic or collector car, a vehicle should be:
- At least 25 model years old, or less for some types of vehicles
- A new replica car
- A new exotic car
- A classic special vehicle, such as a fire truck or military vehicle
Usage
A classic vehicle cannot be a car that you use on a daily basis. It should only be used for club activities, exhibitions and occasional leisure.
Storage
Ideally, your classic car will be stored inside a fully enclosed and locked structure, such as a private garage, storage unit or barn. However, it may be possible to get classic car insurance for a vehicle that is stored in a driveway, carport or parking garage in certain circumstances.
Separate Regular-Use Vehicles
All of the drivers in your household are required to have a regular-use vehicle for their daily driving. In addition, classic car insurance holders must maintain a regular auto policy.
Our Classic Car Insurance Coverage
One of the main things that sets classic car insurance apart from other types of auto insurance is its coverage of your car’s agreed value. This is the amount that we’ll agree your car is worth before your policy is issued.
We’ll evaluate your vehicle, and you can let us know about any modifications, customizations and restorations you’ve made so we can factor it into the value and ensure you get back what you’ve invested into the car in the event of an accident.
Here’s a look at what is typically covered by a standard classic car policy.
Physical Damage To Your Car
Our classic car insurance offers comprehensive and collision coverage at your vehicle’s agreed value. This means that instead of factoring in depreciation like regular car insurance would, you will receive the insured value of your car if it is totaled or stolen, minus your deductible. In addition, it can recover cover repairs using the original parts that your car had prior to the accident rather than cheaper aftermarket parts. After all, your car deserves nothing but the best.
Injuries You Cause To Other Parties
Classic car insurance will cover damages or injuries that you cause to other parties in accidents.
Theft
If someone steals your vehicle and it isn’t recovered, you could get coverage from your classic car insurance policy.
Roadside Assistance
You can purchase full-service roadside assistance programs in case your car breaks down on the road. This may include features like flatbed towing with soft straps to ensure your car is handled with the utmost care.
Talk To Burton & Company About Classic Car Insurance
A classic car, unlike other vehicles, can appreciate in value. Make sure you’re getting your prized set of wheels the right protection with classic car insurance from Burton & Company by calling (888) 652-1325 or requesting a quote online today. We’ll get to know what makes your car special and set you up with the right protection for the ultimate peace of mind as you show off your ride at car shows and enjoy carefree car cruises.
