Collector Car Insurance

Insure Your Ride the Right Way

You faithfully protect your collector car from dust, dirt and stones, but how's its overall protection?

While standard automobile policies offer basic coverage, our programs were designed exclusively for collector cars, so you get the right protection at a great, low price.

OPCF19A Agreed Value of Automobile Insurance coverage

In order to protect your investment the right way, you need an OPCF19A on your policy. This endorsement confirms the value of your collector car should it be stolen and not found or is considered a write off in a loss that is covered under the policy. Without an OPCF19A, you will receive "Actual Cash Value" which is the replacement cost less the depreciation of your vehicle.

Coverage with an Appraisal

If you have an existing appraisal (up to 5 years old on vehicles less than $50,000 / up to 3 years old if +$50,000) or you plan on obtaining one, your vehicle will be insured for the appraised amount including tax. An OPCF19A will be added to your policy confirming this is the agreed amount of insurance coverage. Annual premiums are most often lower with an appraisal (see sample prices below) under the Echelon Insurance program.

To obtain an appraisal, contact BDM Classic & Collector Car Appraisal Services by clicking their logo below.

No Appraisal, No Problem

If you don't have an existing appraisal,we can insure your vehicle under the Hagerty Insurance program. They will review your details along with two submitted photographs to determine the agreed value. An OPCF19A will be added to your policy.

If you have more than one collector car, a Hagerty policy may be the best fit as they only charge one Liability premium and they offer multi vehicle discount.

In most cases, we will provide quotes with and without an appraisal so you can decide if obtaining one is worth the savings.

Collector Car Programs Offer:

Agreed Value of Automobile Insurance coverage (OPCF19A)
up to $2 million liability coverage
Low deductibles
Big savings over regular auto policies

Historic licence plates not required
Freedom to drive on weekends and evenings
Free spare parts coverage
Peace of Mind

Newer Classics

We can now insure newer classic vehicles with limited use that are collectible in nature and have low production numbers. Examples include sports cars and special edition models. Let us know what you own and we'll see if it will qualify.

Annual rates are lower than regular automobile insurance policies plus the advantage of an OPCF19A without an appraisal.

Call me today for your Free Quote at 613-968-3966

Toll free: 1-866-209-8842

or send me a message below

Sample Prices*

Stock/Vintage Modified/Hot Rod

Value Premium Value Premium
     $10,000 $114.00 $10,000 $177.00
$15,000 $142.00    $15,000 $231.00
$20,000 $169.00 $20,000 $282.00
$25,000 $197.00 $25,000 $337.00
$30,000 $227.00 $30,000 $388.00
$40,000 $283.00    $40,000 $494.00
$50,000 $342.00 $50,000 $579.00
$60,000 $410.00 $60,000 $724.00
$70,000 $468.00    $70,000 $832.00
$80,000 $526.00    $80,000 $940.00
$90,000 $584.00

*The above prices from Echelon Insurance are for sample purposes only and may change without notice. Prices are based on a client +25 years of age, good driving record, $2 million Liability, 300 Collision deductible and $100 Comprehensive deductible. You must also have a daily driver vehicle to qualify. Prices are based on a current appraised value. Not all models of vehicles will qualify and is at the discretion of the insurance companies.

Please note we are unable to insure dune buggies, kit cars or replicas. The minimum age of all drivers on a Stock vehicle is 23 years of age, on a modified vehicle, it's 25 years of age.

*Must have an appraisal.

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ONE-STOP SHOP
FOR ALL YOUR
COLLECTOR CAR
INSURANCE NEEDS

Sample Prices*

Get in Touch

​​ONE-STOP SHOPFOR ALL YOURCOLLECTOR CARINSURANCE NEEDS

Sample Prices*

Get in Touch

ONE-STOP SHOP
FOR ALL YOUR
COLLECTOR CAR
INSURANCE NEEDS