Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
advisor@assurena.com admin@assurena.com
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

Monday
9.00 - 5.00
Tuesday
8.00 - 5.00
Wednesday
8.00 - 5.00
Thursday
8.00 - 5.00
Friday
8.00 - 4.00
Satureday
Closed
Sunday
Closed
Classic Car Insurance

Classic Car Insurance By Hawkins Insurance Agency .

Classic Car Insurance provided by Hawkins Insurance Agency .

Does your love of cars border on obsession? Perhaps you own a piece of automotive history — a perfectly preserved 1930s dual-cowl phaeton or 1960s roadster. Maybe you spend weekends cruising the boulevard in your classic custom or hot rod. Or your taste might run to exotic sport cars. Whatever your automotive passion, you can protect your collectible vehicle — and your investment in it

Established in 1982
100% customer satisfaction
Experience Of 30+ Years
60+ Insurance options

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  • Liability insurance
  • Collision & Comprehensive
  • Uninsured Motorist
  • Cherished Salvage
  • Spare Parts & Tools
  • Disabled vehicle
  • Automobilia Coverage

Liability insurance Coverage

Risk Factors

This coverage is quite important for damages and injuries you cause to others unintentionally.

Solution

This coverage pays for damage and injuries you cause to others. It also pays for a legal defence in case you are sued because of the car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision & Comprehensive Coverage

Risk Factors

Your classic car is exposed to a wide range of risks and you need a coverage to cope up with the losses.

Solution

These insurance types cover a wide range of problems such as car accident damage to your own car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects and riots.

Uninsured Motorist Coverage

Risk Factors

There can be a possibility that you crash into an uninsured driver and damage your classic car.

Solution

This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states it can also cover car damage caused by an uninsured driver.

Cherished Salvage Coverage

Risk Factors

Your classic vehicle is totaled by a problem that’s covered by the policy (like a car accident or flood) and damages your vehicle.

Solution

With this coverage, you’ll have the right to keep the salvaged car and still get a pay-out from the car insurance company (minus your deductible).

Spare parts and automotive tools coverage

Risk Factors

You take your classic car to the service station and they ask you to replace some damaged spare parts with the new ones.

Solution

This covers spare parts and personal tools used to maintain or restore your classic car. Some auto insurance companies might cover spare parts even if they are not intended for the vehicle on the policy.

Disabled vehicle Coverage

Risk Factors

This insurance type might include coverage for roadside assistance which typically needs to be paid by you if you don’t have the coverage

Solution

It typically pays for towing and delivery of items like fuel or oil. You might also be able to include trip interruption insurance, which covers the cost of transportation, lodging and meals if your car breaks down outside a certain distance of your home.

Automobilia Coverage

Risk Factors

Certain collectible items on your car might get damaged or stolen and now you need to spend money from your own pockets to replace it.

Solution

This coverage pays for certain collectible items, such as hood ornaments, vintage license plates, gas pumps and station displays, automotive literature and other types of items.

What is Classic car insurance ?

Classic car insurance is a special type of policy that helps protect antique or classic cars. Definitions of a classic car can vary, but the Insurance Information Institute (III) says a car is considered a classic when it’s at least 25 to 30 years old.

Standard car insurance may provide some coverage for a classic car, but it may not cover the full value of the vehicle. That’s because standard policies take age, mileage, and depreciation into account when determining how much a car is worth. But if a classic car has been customized or restored, for example, it may be worth more than its depreciated value. Therefore, a regular car insurance policy may not be enough to help cover the cost of repairs after an accident.

What are the types of Classic Car Insurance coverages?

Classic car insurance typically offers coverage types similar to a personal auto insurance policy:

Liability auto insurance

 This coverage pays for damage and injuries you cause to others. It also pays for a legal defense in case you are sued because over a car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision and comprehensive insurance

Together, these insurance types cover a wide range of problems such as car accident damage to your own car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects and riots.

Uninsured motorist coverage 

This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states it can also cover car damage caused by an uninsured driver.

In addition to the standard coverage types, classic car insurance typically has some optional coverage types that you can tailor to your needs:

  • Cherished salvage coverage
  • Spare parts and automotive tools coverage
  • Vehicle under construction coverage
  • Automobilia coverage

Why is Classic Car Insurance important?

They’re often more expensive than everyday rides, and they may require more complicated and specialized repairs if they’re damaged. Classic and collector cars are also, by virtue of their value and rarity, more likely to be stolen or vandalized, making insurance all the more important.

How do you qualify for Classic Car Insurance ?

More than the age and value of a vehicle are considered when it comes to qualifying for classic car insurance. The III says you’ll likely need to meet other requirements. For example, a vehicle that’s protected by classic car insurance typically cannot be used for everyday driving. A classic car insurance policy may include mileage limitations, and some insurers require proof that the car is stored properly and that you have another vehicle for routine driving.

Some insurers allow you to drive the vehicle to car shows and auto club events. If not, you may need to purchase special coverage for those kinds of trips, the III says. Additionally, the insured vehicle typically must be securely stored in a private garage or other locked facility when not in use.

Insurers may also require you to have a clean driving record in order to purchase or renew a classic car insurance policy.

To learn more about coverage options so you can protect your Classic Car do get in touch with us.

Already Have Classic Car Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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