Vehicle Value
Some specialty policies may use a different approach to vehicle value than ordinary personal auto policies.
Classic Auto Insurance
A different kind of car deserves a different conversation.
Classic, vintage and collector vehicles can have insurance needs that differ from everyday transportation. Trinity can help you review available classic auto insurance options based on the vehicle, its use, storage and carrier requirements.
Collector Vehicle Coverage
Insurance structured around the vehicle,
how it is used and policy requirements.
01
Classic Vehicles
Subject to carrier eligibility
02
Vehicle Value
Policy structure can vary
03
Storage & Use
Carrier requirements may apply
04
Specialty Coverage
Options depend on the policy
Classic Vehicle Insurance
More than ordinary transportation.
A classic vehicle may be restored, collected, shown at events, driven occasionally or kept primarily for personal enjoyment.
Those circumstances can differ from a vehicle used for everyday commuting. The correct policy depends on the car, its use and the carrier's underwriting requirements.
Classic vs Everyday Auto
What may make classic vehicle insurance different?
Specialty policy requirements vary by carrier. The details below describe factors that may be considered when reviewing classic auto coverage.
Limited Use
Some carriers may consider how often the vehicle is driven and the type of driving involved.
Storage
Where and how a classic vehicle is stored may be part of a carrier's eligibility review.
Vehicle Condition
Restoration, modifications and overall vehicle condition may affect policy options.
Vehicle Value
A collector vehicle may need a policy
structure different from a daily-use car.
How Value Is Handled
The car's value can be part of the policy conversation.
Specialty auto policies can handle vehicle valuation differently depending on the carrier and policy. It is important to review how a covered loss would be handled before selecting coverage.
01
Policy valuation method
Review how the vehicle's covered value is defined under the policy.
02
Restoration work
Restoration and upgrades may be relevant when discussing vehicle information.
03
Documentation
Carriers may request photographs, vehicle information or other documentation.
Coverage Categories
Insurance considerations for a classic vehicle.
Available coverage, deductibles, limits and requirements vary by carrier, vehicle and state.
Liability
Certain covered claims involving bodily injury or property damage, subject to policy terms.
Collision
May address certain covered damage to an insured classic vehicle after a collision.
Other Physical Damage
Certain policies may address qualifying losses from covered events other than collision.
Uninsured Motorist
Availability and requirements vary by state, carrier and policy.
Spare Parts
Certain specialty policies may provide options connected to qualifying spare parts.
Roadside Options
Roadside or towing-related coverage may be available depending on the carrier.
Vehicle Eligibility
What type of vehicle may fit?
Eligibility definitions differ between carriers. Vehicle age is only one possible consideration.
Older vehicles meeting applicable carrier guidelines.
Certain older automobiles maintained for personal or collector use.
Qualifying vehicles that have undergone restoration work.
Certain vehicles maintained as part of a personal collection.
Classic Vehicle Use
Vehicle type, use and condition can affect
available policy choices.
What Carriers May Ask
Be ready to discuss how the vehicle is kept and driven.
Requirements differ by carrier, but these are examples of information that may be requested.
01
Vehicle Details
Year, make, model, condition, modifications and restoration information may be requested.
02
Driving Use
The carrier may ask how the vehicle is driven and whether it is used for routine transportation.
03
Storage
Information about where the vehicle is stored may be part of the application.
04
Driver Information
Driver history and other underwriting information may affect eligibility.
Classic Auto FAQ
Common questions.
These answers are general. Carrier rules, vehicle eligibility and policy terms vary.
Classic auto insurance is a type of vehicle insurance intended for qualifying classic, vintage or collector vehicles. Eligibility and policy terms depend on the carrier.
There is no single age requirement that applies to every carrier. Vehicle age, condition, use and other criteria may all be considered.
Some specialty policies place restrictions or requirements on vehicle use. Eligibility for regular daily use depends on the carrier and policy.
Some carriers may have storage requirements or ask where the vehicle is kept. Requirements vary by carrier and policy.
Information may include vehicle details, photographs, condition, restoration work, estimated use, storage information and driver details requested by the carrier.
Coverage availability, vehicle eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state, vehicle and driver. The examples on this page are general and do not guarantee eligibility or coverage. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
Classic Auto Insurance
Coverage worthy of the car you chose to keep.
Tell Trinity about your classic vehicle, how it is used and where it is stored to begin reviewing available insurance options.