Ontario Classic Car Insurance

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The Best Rates on Classic Car Coverage in Ontario

If you own a classic or vintage car, you want to be sure your ‘baby’ is protected with specialized classic car insurance. Antique cars, classic cars, and collector cars are a real passion for many who invest time and money into their hobby so it makes sense to safeguard that investment with vintage car insurance.

Coverage For:

  • Antique classic cars
  • Classic boats
  • Modified vehicles, hot rods, and replicas
  • Classic trucks & utility vehicles
  • Retired commercial vehicles
  • Collector trailers
  • Classic military vehicles
  • Antique tractors
  • Other high value vehicles

Does Your Car Qualify for Classic Car Insurance?

The age of the car is not the only determining factor to qualify for vintage or classic collector car insurance. In fact, the qualifications and definitions can vary depending on the car club or organization. Here are some guidelines to help you figure out if your car might qualify for special insurance:

  • Age: while just one factor, a car must be at least 20 or 30 years old before some would consider it classic. Others define classic as 1948 models and earlier, and cars older than that may be called vintage or antique. Be sure to mention the year of your vehicle when looking for insurance.
  • Restricted Usage: in Ontario, a treasured vintage vehicle would only be taken for a spin when winter is definitely done! And limited ‘pleasure use’ means reduced risk, which is a very important factor for insurance. If you drive your collector car daily or regularly, it may not qualify for classic car insurance.
  • Storage: again an insurer would expect a prized classic or collector car to be put away and kept indoors for the winter – another important detail to mention.

Classic Car Insurance is Different

Unlike standard car insurance, which is based on the declining value of a car, insurance for a truly collectible car needs to consider the possible appreciation in its value as well as replacement value. For these reasons and the money you have already invested, it is best to get an expert appraisal done to assess the value of your vintage vehicle. While appraisals are not always required, you can use it to insure your car based on Agreed Value Coverage, and be confident in the amount insured.

Lower Rates

Depending on how you use and store it, your collectible car could certainly have lower rates with classic car insurance while having appropriate coverage. This is especially true with right-hand drive vehicles. Be sure to discuss these aspects of your prized possession when shopping for vintage car insurance.


Our insurance experts would be happy to answer your questions and provide a no-obligation quote. Feel free to call us at 1-800-731-2228 or email us at info@mitchellwhale.com.

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