Collector Car Coverage Checklist
Is your collector car insured like a collector car?
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- Agreed value or actual cash value. A standard auto policy usually pays actual cash value: market value minus depreciation. Collector policies commonly use agreed value, a number you and the insurer set up front. Which does yours use?
- Is the value current? Update it after restoration work or big market moves. Keep appraisals, receipts, and dated photos.
- How you actually drive it. Collector policies usually limit use. Make sure shows, club drives, and weekend trips match what your policy allows.
- Where it's kept. Many collector policies require a locked, enclosed garage. Confirm the storage address on the policy is right.
- Daily driver. Collector coverage generally assumes you have a separate car for everyday use. Check it's listed.
- Spare parts and tools. Are they covered, and up to what amount?
- Who drives it. List everyone who does.
Before you park it for winter
- Don't cancel coverage. Fire, theft, and hail don't take the winter off.
- If it's moving to a different storage spot, update the address on the policy.
- Ask whether your policy has a storage option, and what it still covers.
- Photograph the car before storage, with the date.
Send me your current policy and a few photos of the car, and I'll go through this list with you.