Classic cars carry history, craftsmanship, and a lot of personal meaning. As an independent brokerage serving Ontario for more than 100 years, at PetleyHare, our classic car insurance helps protect these vehicles so you can enjoy them with confidence. We offer coverage built for collectors and enthusiasts through vintage car insurance that reflects the true value of your vehicle.
Our classic car insurance options are designed for cars that aren’t used for daily commuting and need protection based on condition, appraised value, and limited use. This includes support for vintage, antique, and collector cars, along with coverage that respects the way these vehicles are driven and maintained.
This type of coverage is a good fit for owners who:
Drive their classic only for shows, events, or weekend trips
Store their vehicle securely during the off-season
Care for rare, restored, or collectible models that need agreed-value protection
With a team that understands classic vehicles, you can protect your investment and enjoy the pride of owning a piece of automotive history.
What Is Classic Car Insurance, and Why Is It Important?
Classic car insurance is a specialized policy designed to protect vintage, antique, and collector vehicles. Unlike standard car insurance, it takes into account the unique value and usage of these timeless automobiles. Policies often include features such as agreed value coverage, which ensures you’re compensated for the full appraised value of your car in the event of a total loss, and protection during collector car activities like shows or parades.
The benefits include lower premiums for limited mileage, access to specialized repairs that maintain authenticity, and coverage tailored to vehicles with historical or collectible significance. Designed for the unique needs of classic car enthusiasts, it ensures your vehicle is protected while preserving its value and craftsmanship.
Classic Motor Insurance Coverage
Agreed-Upon Value
We work closely with you to establish the agreed value of your classic car, reflecting its true worth as determined by appraisals or market assessments. In the event of a covered loss, you’ll receive the full agreed-upon value, ensuring your investment is protected without depreciation concerns.
Spare Parts Coverage
Protect your valuable collection of spare parts and accessories with our specialized insurance coverage. Whether you have rare components for a vintage restoration project or high-value parts for repairs, this coverage ensures your investment is safeguarded against theft, damage, or loss.
Guaranteed Repair
With our guaranteed repair coverage, your classic car will be entrusted to experienced professionals who specialize in collector and vintage vehicles. These experts understand the intricacies of restoring and repairing rare cars, ensuring the authenticity and craftsmanship of your vehicle are preserved.
Limited-Use Discounts
Take advantage of significant savings with limited-use discounts tailored to classic and vintage car insurance policies. If your vehicle is primarily used for parades, shows, or occasional drives, this feature helps reduce premiums while maintaining full coverage. Designed for collector car insurance needs, these discounts align with the unique usage patterns of classic cars.
Agreed Mileage
Set an agreed mileage limit that reflects your driving habits, keeping insurance premiums manageable while still providing comprehensive protection. This feature of classic car insurance ensures your policy fits your lifestyle, whether you take your car out for occasional shows or weekend drives.
What Isn’t Covered by Classic Car Insurance?
Classic car insurance offers strong protection, but it doesn’t cover every type of loss. Knowing the limits helps you make informed decisions and avoid surprises later on. Coverage varies by insurer, but most policies don’t include:
Normal wear and tear, rust, or gradual deterioration
Mechanical or electrical breakdowns
Damage during racing or competitive driving
Daily commuting or year-round use
Losses linked to poor or unsafe storage conditions
If you’re unsure how these apply to your vehicle, our brokers can walk you through the details and help you find coverage that fits how you use and care for your classic.
Hearing from real customers is one of the best ways to understand the value of choosing a trusted provider for classic car insurance. Our clients frequently commend our dedication to delivering tailored classic and vintage car insurance solutions, expert guidance, and reliable support. Find out why so many classic car enthusiasts across Ontario trust us for their collector car insurance needs—read their reviews and experiences below.
PetleyHare has been outstanding. Quick response, reliable rates, and comprehensive breakdowns. Especially appreciate working with Cassandra, who is patient and available with helpful information and is a pleasure to work with. She gets it, and we recommend her to everyone and anyone looking for an insurance broker.
Shane Morris
PetleyHare takes care of all of my insurance needs, from my boat and car to my home. They help me keep it all protected. They have an excellent, knowledgeable staff that can answer my questions immediately. The customer service here is top-notch, and they also provide it to me at a great rate.
Jo Thompson
Our Insurance Claims Process
Step 1: Submit Your Claim Online
Fill out the claim form on our website with your details, preferred contact method, and a brief description of your claim. Be sure to include important information such as the date of the incident, the type of claim, and any injuries or damages involved.
Step 2: Initial Contact from a Representative
Once your claim is submitted, one of our dedicated team members will reach out to confirm the details and discuss next steps. Be prepared to provide key information such as the date of the incident, the type of claim, and any damage or loss involving your classic or collector vehicle. This initial conversation ensures we fully understand your situation and can begin processing your claim promptly and accurately.
Step 3: Provide Additional Details
During your consultation, the representative may request more information, such as photos of the incident, appraisals, or documents related to your collector car activities or the value of your classic and vintage car. This ensures we have everything required to accurately process your claim.
Step 4: Claim Assessment and Resolution
Our team will carefully assess your claim using the provided information. Whether it’s a matter of agreed value coverage, spare parts protection, or damage incurred during a classic car event, we’ll determine the appropriate coverage and resolution. We’re dedicated to ensuring your vintage car insurance claim is managed transparently and efficiently.
Step 5: Receive Your Claim Outcome
Once the assessment is complete, we will provide a detailed resolution and next steps. Whether it involves repairs by specialists familiar with collector vehicles or compensation reflecting the agreed value of your car, we’ll ensure you receive the support you need promptly and professionally.
Trusted Car Insurance for Classic Cars Across Canada
Classic car insurance isn’t just about safeguarding your vehicle, it’s about protecting the passion, craftsmanship, and history behind it. At PetleyHare, we offer tailored coverage for classic, vintage, and collector cars across Ontario, with features like agreed value protection, limited-use savings, spare parts coverage and discounts. We focus on providing specialized coverage that meets the demands of classic and collector car owners.
Experience the difference of working with a team that shares your passion. Get in touch with us today for classic car insurance in Ontario and protect your automotive masterpiece with confidence.
Have questions about classic car insurance? You’re not alone! That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.
How Is Classic Car Insurance Different From Regular Auto Insurance?
Classic car insurance focuses on the vehicle’s appraised value and limited use. It often includes agreed value coverage and protection for spare parts, giving vintage and collector cars the care they need.
What Qualifies As A Classic Car In Ontario?
Most insurers consider a vehicle “classic” when it’s well-maintained, used for hobby driving, and has historical or collectible value. Age requirements vary, but many classic car insurance Ontario policies start at 20 years or older.
Can I Use My Classic Car For Everyday Commuting With Classic Car Insurance?
No. Classic car insurance is designed for limited driving—such as shows, club events, and weekend trips. Daily commuting requires standard auto insurance.
Do I Need An Appraisal For Classic Car Insurance?
Many policies need an appraisal to set the car’s agreed value, especially for rare or restored models. It helps ensure your classic is properly valued under a classic auto insurance Ontario policy.
Can I Modify My Classic Car And Still Get Coverage
Yes, as long as the updates are disclosed. Most vintage car insurance policies allow modifications, especially if they maintain the car’s overall character.
Why Is Classic Car Insurance Cheaper?
Premiums are often lower because classic cars are driven less and typically stored securely. Limited-use rules help keep classic car insurance costs manageable for collectors.
Can I Insure Multiple Classic Cars Under One Policy?
Yes. Many insurers offer multi-vehicle options for collector car insurance, making it easier to manage several classics under one plan.
Does Classic Car Insurance Cover Storage?
Most policies include coverage while your vehicle is stored in a secure garage or facility. This helps protect your classic during the months it’s off the road.
What Happens If My Classic Car Is a Total Loss?
If you have agreed value coverage, you’ll receive the full appraised value listed on your policy—avoiding depreciation and helping protect the true worth of your classic.
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