Collector and luxury vehicles are valued differently and used differently from everyday cars.
What it generally covers
- Agreed or stated value for collector cars
- Higher liability limits
- Coverage while stored or at shows, per policy
Where gaps often hide
- Mileage and usage limits
- Storage requirements
- Agreed value compared with actual cash value
Questions worth asking
- Is the value agreed in advance?
- What are the usage and storage conditions?
- How does my umbrella connect to these vehicles?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.