Antique Auto Insurance

Antique autos are a class unto themselves, especially to the owners who treasure them. For insurance purposes, cars with certain special characteristics fall into some unique classes (though definitions can vary province by province as insurance in Canada is regulated at the provincial level):

  • Antique - if it is over 20 years of age;
  • Classic - if it is 15-20 years of age;
  • Modified/Customized - if 15 years of age and older; and
  • Military - for jeeps, troop carriers and tanks.

Prized specialty autos are often so prized by their owners that they rarely see the outdoors in anything but good weather and are normally driven much less distance than everyday vehicles. However, if damaged, they can be much more expensive to repair to an unblemished state and are subject to different insurance rates, terms and conditions, and rules for valuation.

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