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Collector car insurance

RBC Insurance and Hagerty have partnered to offer you exceptional and flexible insurance at a great price.

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Special cars deserve special coverage

Classic cars are prized possessions. Our specialty collector car insurance lets you pair the thrill of driving with top-notch protection. Whether your collector car is an antique or a modern classic, you’ll get best-in-class coverage. Plus, policies allow for plenty of hobby and pleasure driving—because great cars are meant to be enjoyed.

Classic car insurance coverage highlights1

This specialty policy offers you a wide range of features and benefits for your

  • Guaranteed Value™ coverage: Hagerty works with you to agree on a fair value for your collector car. If there’s a covered total loss, you will receive the agreed upon value less any deductible. Guaranteed.
  • Valuation expertise: The industry-leading online Hagerty Valuation Tool® helps to determine a collector vehicle’s market value.
  • No Required Appraisal: An appraisal is not required for values that reflect verifiable market values.
  • Flexible usage: Great cars were meant to be enjoyed, but some companies strictly limit how much you can use your collector car. This coverage allows for plenty of hobby and pleasure driving with no fixed kilometer limits2.
  • Competitive Premiums: Hagerty offers tailored Guaranteed Value™ coverage for your collector car at a significantly lower rate compared to standardized auto coverage.
  • Collection coverages: If you collect cars as a hobby, Hagerty offers best-in-class coverage so you can focus on enjoying your collections.
  • Vehicle under construction: Guaranteed Value™ coverage also protects your investment in your car during a restoration or build, which can be quite expensive.
  • Repair shop of choice: In the event of a claim, you have the freedom to take your vehicle(s) to a repair shop you trust.
  • HAGERTY PLUS®ROADSIDE SERVICE (optional): This 24/7 program is designed for collectible vehicles and includes guaranteed flatbed towing with soft straps, service for lockouts, battery jumps, tire changes and more—all done by people who know and understand collectibles.
  • Cherished salvage (optional): If you have a claim and your car is not repairable you may still want to keep it. With cherished salvage; you will still receive the full Guaranteed Value™, less any deductible3.

Additional coverage options for unique vehicle collections

  • Market Appreciation Coverage: If the market increases above the value of your collector vehicle and a covered total loss happens, you receive up to 125% of the insured value.
  • Automatic New Purchase Coverage: When adding to a collection, your newly acquired collector vehicle will be automatically covered for 30 days. This coverage will equal your highest-valued vehicle insured through Hagerty (or purchase price, if less) up to $750,000.

The biggest ways to save

Multi-car insurance discount

Have multiple vintage or antique cars that need coverage? More collector cars means bigger savings.

illustration of two vintage cars parked beside each other

Get a classic car insurance quote

Get an online vintage car insurance quote or talk to one of Hagerty’s licensed insurance advisors today.

Need help now? Call 1-888-899-8974

Classic vintage car covered by collector car insurance

Frequently asked questions about Collector Car Insurance

Collector car insurance is specialized coverage designed for vehicles valued as collectibles: classic cars, antiques, vintage models, and modern classics. Unlike standard auto insurance, it insures your vehicle for a Guaranteed Value agreed upon upfront, with no depreciation applied to your payout. It’s built around limited, pleasure-focused use, making it a better fit for vehicles that aren’t driven every day.

The biggest difference is how your car’s value is protected. Regular car insurance applies depreciation, so you may receive less than your car is worth after a claim. Collector car insurance uses Guaranteed Value coverage: you and your insurer agree on the car’s value upfront, and that’s what you receive after a covered total loss, minus any deductible. Premiums are also typically lower, since collector cars are driven far less.

Qualifying vehicles typically include antiques, classic cars, muscle cars, vintage models, discontinued vehicles, exotic vehicles and modern collectibles or special-edition cars. Ideally the vehicle is stored securely, and used for pleasure, not daily commuting. Your vehicle’s age, condition, rarity, and storage setup all affect eligibility. Coverage and requirements may vary by province, so speak with your RBC Insurance advisor. Book a call or call 1-888-899-8974.

You and your insurer agree on your vehicle’s value upfront; this is called Guaranteed Value coverage. If your car is ever totalled in a covered loss, you receive that agreed amount, minus any deductible. Policies are designed for limited pleasure driving: car shows, parades, and weekend drives. Your premium is typically calculated based on the agreed value, how the car is stored, and how often it’s driven.

Getting covered is simple.  You’ll share details about your vehicle: its make, model, year, condition, and how you store and use it. Your insurer will work with you to agree on the car’s value and set your coverage. RBC Insurance, in partnership with Hagerty, makes it easy to get a quote online or by phone. Get a quote or call 1-888-899-8974.

To apply, you’ll share your vehicle’s make, model, year, condition, and any modifications, plus how you plan to use and store it. Your driving history is also required. Photos or an appraisal may be needed to confirm the agreed value. Coverage and requirements may vary by province, so speak with your RBC Insurance advisor. Book a call or call 1-888-899-8974.

Yes – collector car insurance is built for exactly this kind of use. Policies typically cover pleasure driving, car shows, parades, exhibitions, and club events. What’s generally not covered is using the vehicle as your primary transportation or for daily commuting. Coverage details may vary by province and policy, so speak with your RBC Insurance advisor to confirm what’s included. Book a call or call 1-888-899-8974.

Collector car insurance is built for pleasure use, not daily commuting. Most policies restrict regular use like driving to work, and you’ll typically need a separate primary vehicle insured elsewhere. This limited-use model is also why collector car premiums are often lower than standard auto coverage. For specific usage questions, speak with your RBC Insurance advisor. Book a call or call 1-888-899-8974.

Yes – many collector car policies include coverage for vehicles under restoration or in storage. Whether your car is being rebuilt in a shop or stored in your garage, it can still be protected. Coverage typically extends to fire, theft, and damage even when the car isn’t on the road. Speak with your RBC Insurance advisor to review exactly what’s included. Book a call at or call 1-888-899-8974.

Collector car insurance typically includes third-party liability, accident benefits, collision, and comprehensive coverage, similar to standard auto insurance. What sets it apart is Guaranteed Value coverage, which pays the agreed value of your car in a covered total loss with no depreciation applied. Through RBC Insurance’s partnership with Hagerty, policies have options including; Cherished Salvage, coverage for spare parts, tools, market value protection and roadside assistance, all designed for classic vehicles. Coverage options and requirements may vary by province.

Collector car insurance typically costs less than standard auto coverage because these vehicles are cared for more and driven far less. Premiums are based on your car’s agreed value, how and where it’s stored, your driving record, and how often you use it. RBC Insurance has partnered with Hagerty, Canada’s leading specialist in collector car insurance, to bring you coverage tailored specifically to classic and collectible vehicles. Because Hagerty focuses exclusively on cars like yours, they’re able to offer Guaranteed Value™ coverage at competitive rates. When you get a quote, you’ll be guided through Hagerty’s site, where their licensed insurance advisors help you find the right coverage for your car. Rates vary – get a personalized quote to find out exactly what you’d pay. Get a quote or call 1-888-899-8974.

Several factors shape your premium: your vehicle’s agreed value, make, model, and condition; how and where it’s stored; your driving history; and your chosen coverage options. Modifications and vehicle horsepower may also factor in. RBC Insurance has partnered with Hagerty, a specialist in collector car coverage, to offer this protection. Your quote will be handled through Hagerty’s site by their licensed insurance advisors. Because every collector car is unique, a personalized quote is the best way to see how these factors apply to yours. Get a quote or call 1-888-899-8974.

Getting a quote is quick. You can get one online through RBC Insurance’s partnership with Hagerty, or connect with a licensed insurance advisor by phone. You’ll share basic details about your vehicle, how you use it, and where it’s stored. From there, you’ll receive coverage options tailored to your car. Get a quote at or call 1-888-899-8974.

Yes – all vehicles operated on Canadian roads must carry at least the minimum insurance required in their province, including antiques and collector cars. Standard coverage alone may not fully reflect your vehicle’s true collectible value. Collector car insurance ensures your car’s agreed value is protected in the event of a covered loss. Coverage requirements vary by province, so speak with your RBC Insurance advisor. Book a call or call 1-888-899-8974.