Sometimes, a vehicle is more than a means of getting from point A to point B – it’s a piece of history. At Haylor, Freyer & Coon, we understand the world of classic cards and we know how much your investment means to you financially and emotionally. That’s why we’re here with a range of comprehensive and tailored coverages for all types of classic cars – whether it’s a vintage Model A or a muscly ’69 Chevy. SO start or add to your collection today, and we’ll take care of the rest.
A Classic Car Policy May Include:
Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
Property Damage Coverage – Covers property that your vehicle damages during an accident(i.e., another person’s vehicle)
Physical Damage Coverage – Covers damage to your vehicle that resulted from an accident(i.e., another person’s vehicle)
Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
*Basic minimum coverage requirements varies by state. Only No-Fault states also require no-fault coverage included for Auto Liability policies.
Vehicles Not Qualified For Classic Car Coverage
Off-Road Use – Includes vehicles used for camping, off-roading, or any utility-types
Daily Use – Vehicles driven on daily basis for work, school etc.
Commercial Use – Vehicles used for livery or business purposes.
Dune Buggies – Coverage is unavailable because of how they are used and the increased risk associated
Nitrous Oxide – Any vehicle modified with nitrous components.
We Insure All Types of Classic and Luxury Vehicles
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.
Classic Car Insurance – Frequently Asked Questions
What is considered a classic car?
There isn’t a standard definition for a “classic car”, however when a car is considered a collectible – it is over 25 years old and/or when the car’s value exceeds its original selling price – the vehicle may require classic car insurance.
Can I drive my classic car to work?
No – generally vehicles covered under Classic Car Coverage are not permitted for daily use. The policy may also have annual mileage limitations.
Can my standard auto policy cover my classic car?
It is not advised to use a standard auto policy with classic cars. The vehicle is only covered up to its cash value, which includes depreciation.
Getting the coverage you need is no accident
All aboard with superior & distinctive service
Weather the unexpected & eliminate uncertainty
Know Your Policy: Exclusions to Review*
The matrices of local, state, and federal laws that govern auto insurance and the variation between policy types and insurance carriers are far too complex to list every situational exclusion that is applicable for all. Below are some common examples of coverage points/clauses that may detail these exclusions in the policy and should be carefully noted when purchasing coverage. We strongly advise consulting with a licensed insurance agent to review your policy and discuss any situation where your claim may fall into exclusion and be denied.
Insurer intentionally causing injury or damage
Damage resulting from wear and tear
Insurer using vehicle for livery conveyance (i.e., pizza delivery, Uber)
Vehicles being used for racing purposes
*Not applicable to all insurers and policies. Please click on the ? icon above for more information.
Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!