find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

How to Protect Your Collector Car with Insurance

How to Protect Your Collector Car with Insurance

Your collector or classic car needs special car insurance coverage. Basic car insurance does not provide enough coverage for a classic car.

Classic car insurance protects your collector, vintage, or antique vehicle from the risks involved with owning a classic car.

A collector car insurance policy offers more coverage than basic car insurance and typically covers your car up to a guaranteed value.

What is the general definition of a classic car for insurers?

Insurers recognize your car as a classic car if it is used for special events and not driven more than 8,000 km per year. It usually needs to be at least 25 years old and should be fully restored and in good condition.

A classic car is considered a collector’s item. It’s at least 20 years old and has not been modified.

It’s also a classic car if it’s driven less than 5,000 kilometres a year and it is not used for regular transportation.

Some insurance providers limit how much you can use your collector car, but you may be able to get flexible usage insurance coverage that does not limit how much you can use your collector car.

What is an antique car?

An antique car is considered a collector’s item. It’s at least 30 years old and has not been modified.

It’s used only for parades and exhibitions. It’s driven up to 5,000 kilometres a year.

How is insurance coverage for a collector car determined

Eligibility for collector car insurance can include:

  • Where the car is stored
  • How the car is used
  • Age and model of your collector car
  • Has it been modified or customized
  • Who is driving it
  • Where you live
  • Drivers have a minimum of 10 years of experience

Usually, but not always, to qualify for classic car insurance your vehicle must be 25 years of age or older, although this varies by insurance provider.

What is usually included in collector car insurance?

Collision coverage that protects your collector car in case of an accident.

Third-party liability insurance that covers an accidentally injured person or damaged property.

Comprehensive insurance that protects your collector car from theft, vandalism, or natural disasters.

Classic car insurance typically covers:

  • Emergency repairs
  • Damage from an accident
  • Theft or vandalism
  • Fire, storm, and flood damage
  • Window glass damage
  • Modifications and accessories

Your classic car insurance should have benefits designed for vintage cars such as:

Agreed value

Agreed value is one of the main differences between classic car insurance and personal car insurance. Market value is not a good choice for classic cars. Your collector car should be insured for an agreed value that will be reflected in claims payments.

Lay-up periods

Classic car insurance often takes into account that your classic car will spend a lot of time being maintained, cleaned, or stored, and the premium will be reduced for this reason.

Limited usage

Insurers offer mileage-based discounts because classic cars are not driven often and there will be limits on how much you can drive your classic car.

Modifications

Attachments and modifications to your classic car should be covered by your policy.

Salvage rights

If your classic car is written off, you can keep the unrepaired car and the payout.

Medical reimbursement

If your car is in a car show and someone is hurt in or around it, your classic car insurance should help cover their medical expenses.

Classic cars can include:

  • Classic and collector cars made in 1979 or earlier.
  • Antique cars made between 1896 and 1948.
  • Classic cars manufactured from 1924-1948.
  • Popular cars made after World War II.
  • U.S.-made muscle cars with V-8 engines from 1968-1972.
  • Collector SUVs and trucks that are 25 years old or older or modified 15-year-old or older collector trucks and SUVs.
  • Classic cars under construction for restoration projects.
  • Commercial vehicles 25 years old or more.
  • Car trailers for street rods and vehicles.
  • Antique and classic tractors at least 30 years old.
  • Demilitarized military vehicles from 1985 or earlier.

Your collector car may be a target for thieves

Classic, vintage, and antique cars are typically more difficult to track down or identify when they’re stolen and they can include parts that are considered valuable.

They are often in high demand, especially in international markets.

Tips for car security to protect your classic, vintage, or antique car:

  • Keep collector cars in a locked garage
  • Install anti-theft devices for car security
  • Don’t leave valuables out in plain sight
  • Fully insure your car

What to do if your collector’s car has been stolen?

As soon as you notice your classic car is gone, call the police. Always have your licence plate number, VIN or chassis number, engine number, and all relevant identifying information available to help police get your classic car back.

Ask your Western Financial Group car insurance expert about how to insure your classic car.

GET A QUOTE

Recent Blog Posts

Basic Boating Safety
What's Basic Boating Safety?

May 14, 2025


Common Home Insurance Claims Canada
What are Canada's Top Home Insurance Claims?

May 13, 2025


Mark Missal Farm Insurance
Western's Farm Insurance Has Roots in Our Communities

May 8, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap

 

Western Financial Group acknowledges that its Head Office is situated on the sacred gathering ground of the buffalo and the healing place of the Medicine Tree. We honor the Blackfoot Nations, including the Siksika, Piikani, and Kainai, as well as the Tsuut’ina and Stoney Nakoda First Nations, the Métis Nation (Region 3), and all who make their homes in the Treaty 7 region of Southern Alberta. As a company with team members and operations across Canada, we also recognize and honour the diverse Indigenous Peoples from coast to coast — including First Nations, Inuit, and Métis — who have stewarded these lands since time immemorial, and we reaffirm our commitment to working together as a community, laying the foundation for reconciliation through education and mutual respect.