Classic Car Insurance

The definition can vary between insurers, but in Canada, a vehicle generally needs to be at least 20 to 25 years old to qualify for classic car insurance. Most insurers also look at whether the vehicle is maintained in good condition, used on a limited basis, and kept primarily for pleasure driving, shows, or exhibitions rather than daily use.

Vehicles typically fall into one of three categories:

Classic: Generally 25 years or older, well-maintained, and of recognized historical or collectible interest.

Antique: Typically, pre-1948 vehicles that are preserved or restored to original condition.

Collector: A broader category that can include muscle cars, limited production models, and other vehicles of particular interest to enthusiasts, regardless of strict age requirements.

Not sure whether your vehicle qualifies? An InsureLine broker can help you figure out which category fits and find the right policy for it.