Classic Car Insurance Ontario

Insurance for Classic Cars

If you live in Ontario and own a hobby car, especially a collector vehicle, let Huronia Insurance Group show you how you can save on classic car insurance. In some cases, collector car insurance in Ontario can be up to 75% less than a standard car insurance policy!

You classic vehicle must meet certain criteria and restrictions in order to qualify for classic car insurance and premiums can vary between different classic car insurance providers.

Call for a Collector Car Insurance Quote
1-866-955-8386

Below are a few general guidelines to consider when applying for collector car insurance.

Qualifying for Collector Car Insurance

In order to qualify for classic car insurance in Ontario, you must meet the following criteria:

Have a clean driving record
Have driven continuously for at least 10 years
Have zero at-fault accidents
Have no more than 2 minor convictions
You must also have a second “everyday-use” passenger vehicle with its own insurance coverage

Restrictions on Intended Use

Under your classic car insurance policy your collector vehicle is classified as a hobby car only. It can be used for pleasure use only and cannot be used for everyday purposes. Simply put, you can’t drive your classic car to work, to school, or to run errands. In some cases, the classic car insurance policy will also include yearly mileage restrictions.

Other Criteria

Collector car insurance companies also look at a variety of other criteria such as rarity to determine insurance premiums. These criteria may be not be covered in all provinces in Canada but might include:

Antique Vehicles (1906 to 1948)
Unique Classic Vehicles (1924 – 1948)
Postwar WWII Vehicles
Muscle Cars (1968-1972)
Exotic Vehicles (1990 or newer with limited production)
Modified Vehicles
Retired Military Vehicles (pre-1985)
Special Interest Vehicles (Low production specialty models after 1990)
Kit & Replica Vehicles
Classic Boats
Retired Fire Trucks
Retired Vintage Tractors (30 years or older)

The percentage of original parts can also affect your collector car insurance premiums. As well, collector vehicles must be placed in secure storage when not in use.

Classic Car Insurance Coverage

The collector car insurance companies that we deal with do not require appraisals and offer low rates and flexible usage options. You’ll also receive:

Agreed value coverage
Coverage for your choice of repair shop

About Huronia Insurance Group

Huronia Insurance Group has been helping Ontario residents with their auto insurance needs for nearly two decades. Along with motorhome & RV insurance, motorcycle insurance, and boat insurance, we can also help you find the best collector car insurance coverage.

To learn more, please contact one of our auto insurance brokers online or send us an email.

You can also call our Huronia Insurance office directly: