How to Insure a Classic Car in Canada

How to Insure a Classic Car in Canada

Classic cars are more than just vehicles; they are a passion and a hobby for many car enthusiasts. Owning and maintaining a classic car is a significant investment of both time and money. As a result, it is essential to ensure that your classic car is adequately protected with the right insurance coverage. In this article, we will discuss how to insure a classic car in Canada.

What Is a Classic Car?

A classic car is defined as a vehicle that is over 25 years old and is still in good condition. Classic cars are often restored to their original condition and are considered collectibles. They are not typically used as everyday vehicles but are driven on special occasions or for pleasure.

How to Insure a Classic Car in Canada:

  1. Find an Insurer that Specializes in Classic Car Insurance: Many insurance companies in Canada offer car insurance, but not all of them specialize in classic car insurance. Look for an insurance company that understands the unique needs of classic car owners and can offer tailored coverage.
  2. Choose the Right Coverage: Classic car insurance is different from regular car insurance. It should include coverage for the vehicle’s agreed-upon value, which is often higher than the car’s actual cash value. It should also include coverage for the cost of restoration and repair.
  3. Provide Proper Documentation: To insure your classic car, you will need to provide documentation that shows the car’s value, such as an appraisal from a professional appraiser. You will also need to provide proof of ownership, a copy of the car’s registration, and photographs of the car.
  4. Consider Usage Restrictions: Classic car insurance policies often include restrictions on how often the car can be driven and where it can be driven. For example, the policy may limit the number of miles driven per year or require the car to be stored in a secure location.
  5. Join a Classic Car Club: Many classic car insurance policies offer discounts to members of classic car clubs. Joining a club can also provide access to resources and support from other classic car enthusiasts.


Insuring a classic car is an important part of protecting your investment. To insure a classic car in Canada, you need to find an insurer that specializes in classic car insurance, choose the right coverage, provide proper documentation, consider usage restrictions, and join a classic car club. By taking these steps, you can ensure that your classic car is adequately protected and that you can continue to enjoy it for years to come.

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