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Protecting your investment is our top priority!

Classic or antique cars are very special and it’s important to insure something this special with the right kind of insurance in Alberta. If you are lucky enough to own one of these amazing automobiles, you don’t want to take chances with insurance. Here is an example.

When James first saw that rusted sedan parked in a field (outside of the old ghost town, Mitford) he knew he must have it. This was the same model car his Dad drove many years ago. Together, he and his family spent many happy hours on Sunday afternoon drives in the late 60s. James found out who owned the old car and soon it was on its way back to his garage.

It took a long time to restore the vehicle but after two years it was mostly complete. James spent many weekends on the restoration project and occasionally had help from one of his mechanic friends. However, before he test drove the vehicle, James talked to his insurance broker about buying the best possible Collector Car Insurance to protect his investment.

Together, he and his broker came up with a customized coverage plan that James was satisfied with. For example, they talked about vehicle damage while his car was garaged. James thought his homeowners insurance would cover the damages (but this was not the case). Upon learning this, James made sure comprehensive coverage on his Antique Car Insurance would cover damages.

Six months later, James’ detached garage caught fire and burned to the ground, completely destroying his beautiful car. Fortunately this was all taken care of because James was smart enough to get expert advice on his car insurance policy.

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What is Classic car insurance?

Your vintage car is nothing like a modern day vehicle and it has different insurance needs also. Classic Car Insurance is made for antique and collectible vehicles that people buy for investment purposes as well as pleasure. The right policy will fully protect all your interests in the car as well as take care of routine car insurance needs.

Do I Need Collector Car Insurance?

Is your car officially an antique? This usually includes vehicles at least 30 years old or more. Classic cars do not have to be a certain age, but they must be considered collectible and valuable. If you own a vehicle like this, it needs to be insured. However, you may need to meet certain guidelines to qualify for classic insurance, such as:

  • Your car should be in original condition (or close to it)
  • Must be parked safely in a garage
  • Limited amount of kilometres driven each year (the amount of kilometres will depend on the insurer).

Standard Antique Car Insurance Options

In Alberta you must have these insurance coverage items, no matter what kind of car you drive:

  • Accident benefits – no fault insurance coverage for injuries. This can include loss of income benefits, medical fees, rehabilitation charges, and funeral expenses.
  • PLPD – stands for personal liability and property damage. This covers damages that you are responsible for. For example, if you lose control of your car and it totals another vehicle, your PLPD pays. You must carry a minimum of $200,000 in coverage and most people opt for one million dollars worth.

For Calgary Classic Car insurance brokers click here
For Canmore Classic Car insurance brokers click here
For Edmonton Classic Car insurance brokers click here
For Faust Classic Car insurance brokers click here
For Lethbridge Classic Car insurance brokers click here
For Red Deer Classic Car insurance brokers click here

Antique Car Insurance Options

Like most standard passenger cars, you can buy additional coverage options, such as:

  • Collision
  • Comprehensive
  • Uninsured motorists

You also may wish to take out:

  • Agreed upon value – when you start your policy you can insure your classic car for a specific amount (as opposed to market value). However, the car must be appraised for that amount.
  • Flexible mileage – some policies only allow driving on Sunday or parades, but you can get a better deal than that. Your insurance agent can show you all the driving options.
  • Spare parts – many classic car owners keep a lot of spare parts on hand for restoration projects and because replacement parts can be very hard to find. You can insure these parts for as much as ten percent of the car’s value.

The Value of Customized Collector Car Insurance

If you want the best possible coverage for your classic vehicle, consider seeing an insurance professional that is also an independent insurance broker. That is why many classic car owners in Alberta come to Alpine Insurance & Financial Inc.

Your specialist will help you get the best deals and the most amount of coverage for your money. An insurance broker does business with many top insurance companies. He or she is not tied to one company so you have someone comparison shopping for you and your independent agent works for you, not an insurance company.

How many kilometres do you drive your classic auto each year? You should have an insurance policy that reflects your driving needs. For more information on Classic Car Insurance, talk to an insurance professional from Alpine Insurance & Financial Inc at (403) 270-8822 in Calgary. You can reach us toll free at (877) 770-8822, or you can fill out the quote form and we’ll contact you.

Fill in your details...

All fields are required


Protecting your investment is our top priority!

Classic or antique cars are very special and it’s important to insure something this special with the right kind of insurance in Alberta. If you are lucky enough to own one of these amazing automobiles, you don’t want to take chances with insurance. Here is an example.

When James first saw that rusted sedan parked in a field (outside of the old ghost town, Mitford) he knew he must have it. This was the same model car his Dad drove many years ago. Together, he and his family spent many happy hours on Sunday afternoon drives in the late 60s. James found out who owned the old car and soon it was on its way back to his garage.

It took a long time to restore the vehicle but after two years it was mostly complete. James spent many weekends on the restoration project and occasionally had help from one of his mechanic friends. However, before he test drove the vehicle, James talked to his insurance broker about buying the best possible Collector Car Insurance to protect his investment.

Together, he and his broker came up with a customized coverage plan that James was satisfied with. For example, they talked about vehicle damage while his car was garaged. James thought his homeowners insurance would cover the damages (but this was not the case). Upon learning this, James made sure comprehensive coverage on his Antique Car Insurance would cover damages.

Six months later, James’ detached garage caught fire and burned to the ground, completely destroying his beautiful car. Fortunately this was all taken care of because James was smart enough to get expert advice on his car insurance policy.

What is Classic car insurance?

Your vintage car is nothing like a modern day vehicle and it has different insurance needs also. Classic Car Insurance is made for antique and collectible vehicles that people buy for investment purposes as well as pleasure. The right policy will fully protect all your interests in the car as well as take care of routine car insurance needs.

Do I Need Collector Car Insurance?

Is your car officially an antique? This usually includes vehicles at least 30 years old or more. Classic cars do not have to be a certain age, but they must be considered collectible and valuable. If you own a vehicle like this, it needs to be insured. However, you may need to meet certain guidelines to qualify for classic insurance, such as:

  • Your car should be in original condition (or close to it)
  • Must be parked safely in a garage
  • Limited amount of kilometres driven each year (the amount of kilometres will depend on the insurer).

Standard Antique Car Insurance Options

In Alberta you must have these insurance coverage items, no matter what kind of car you drive:

  • Accident benefits – no fault insurance coverage for injuries. This can include loss of income benefits, medical fees, rehabilitation charges, and funeral expenses.
  • PLPD – stands for personal liability and property damage. This covers damages that you are responsible for. For example, if you lose control of your car and it totals another vehicle, your PLPD pays. You must carry a minimum of $200,000 in coverage and most people opt for one million dollars worth.

Antique Car Insurance Options

Like most standard passenger cars, you can buy additional coverage options, such as:

  • Collision
  • Comprehensive
  • Uninsured motorists

You also may wish to take out:

  • Agreed upon value – when you start your policy you can insure your classic car for a specific amount (as opposed to market value). However, the car must be appraised for that amount.
  • Flexible mileage – some policies only allow driving on Sunday or parades, but you can get a better deal than that. Your insurance agent can show you all the driving options.
  • Spare parts – many classic car owners keep a lot of spare parts on hand for restoration projects and because replacement parts can be very hard to find. You can insure these parts for as much as ten percent of the car’s value.

The Value of Customized Collector Car Insurance

If you want the best possible coverage for your classic vehicle, consider seeing an insurance professional that is also an independent insurance broker. That is why many classic car owners in Alberta come to Alpine Insurance & Financial Inc.

Your specialist will help you get the best deals and the most amount of coverage for your money. An insurance broker does business with many top insurance companies. He or she is not tied to one company so you have someone comparison shopping for you and your independent agent works for you, not an insurance company.

How many kilometres do you drive your classic auto each year? You should have an insurance policy that reflects your driving needs. For more information on Classic Car Insurance, talk to an insurance professional from Alpine Insurance & Financial Inc at (403) 270-8822 in Calgary. You can reach us toll free at (877) 770-8822, or you can fill out the quote form and we’ll contact you.

For Calgary Classic Car insurance brokers click here
For Canmore Classic Car insurance brokers click here
For Edmonton Classic Car insurance brokers click here
For Faust Classic Car insurance brokers click here
For Lethbridge Classic Car insurance brokers click here
For Red Deer Classic Car insurance brokers click here

We’re here to answer any questions you may have