{"id":15215,"date":"2024-10-30T12:19:56","date_gmt":"2024-10-30T12:19:56","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=15215"},"modified":"2026-10-01T13:53:34","modified_gmt":"2026-10-01T17:53:34","slug":"collector-classic-car-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/collector-classic-car-insurance\/","title":{"rendered":"Collector Car Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\"><img decoding=\"async\" class=\"calloutCard__heroBgImg\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/collector-car-insurance_hero-mobile.webp\" alt=\"image of a man polishing his collector car in his garage\"\/>\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-collector-car-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Collector car <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">RBC Insurance and Hagerty have partnered to offer you exceptional and flexible insurance at a great price.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15215-d2f695d5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get an online quote-https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC \">Get an online quote<\/a><\/div>\n\n\n\n<p class=\" call-link\">or  Call <a href=\"tel:+18888998974\" data-dig-id=\"LP-15215-ba0091cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-899-8974\" class=\"rbc-link-format\">1-888-899-8974<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-15215-2fb85d00\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-special-cars-deserve-special-coverage\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1F1F1F\" class=\"has-inline-color\">Special cars deserve special coverage<\/mark><\/h2>\n\n\n\n<p class=\"has-text-align-center p-large\">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\u2019ll get best-in-class coverage. Plus, policies allow for plenty of hobby and pleasure driving\u2014because great cars are meant to be enjoyed.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-classic-car-insurance-coverage-highlights-1\"><span class=\"partial__border-bottom\">Classic car insurance coverage highlights<\/span><sup><a href=\"#legal-1\" data-dig-id=\"LP-15215-d23f32dc\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/h3>\n\n\n\n<div class=\"wp-block-group pad-r-dbl is-style-inline-blocks is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-container-content-185cc44b\">This specialty policy offers you a wide range of features and benefits for your <\/p>\n\n\n\n<button class=\"modal-2a544ef8-517f-47c5-9c19-4193be1cf9df_open  modal-button-title newwindow-link\" data-dig-id=\"LP-15215-84afca15\" data-dig-category=\"LP\" data-dig-action=\"modal open\" data-action-closed=\"modal open\" data-action-opened=\"modal close\" data-dig-label=\"eligible collector vehicle\">eligible collector vehicle<\/button><div id=\"modal-2a544ef8-517f-47c5-9c19-4193be1cf9df\" class=\"modal modal-title\" role=\"region\" aria-labelledby=\"modal-title\"><div class=\"modal-inner\"><div class=\"wp-block-rbc-modal-block\">\n<h3 class=\"wp-block-heading\" id=\"h-eligible-collector-vehicles\">Eligible Collector Vehicles<\/h3>\n\n\n\n<p>Many people assume there\u2019s a certain age that qualifies a vehicle as collectible, but that\u2019s not necessarily true.<\/p>\n\n\n\n<p>Coverage is available for old or new vehicles that are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Appreciating or maintaining a steady market value<\/li>\n\n\n\n<li>In good condition or under restoration<\/li>\n\n\n\n<li>Kept in a secure, enclosed storage facility<\/li>\n\n\n\n<li>Not used for daily or backup transportation<\/li>\n<\/ul>\n<\/div><\/div><button class=\"close\"><span>Close<\/span><\/button><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon-centered\">\n<li><strong>Guaranteed Value\u2122 coverage: <\/strong>Hagerty works with you to agree on a fair value for your collector car. If there\u2019s a covered total loss, you will receive the agreed upon value less any deductible. Guaranteed.<\/li>\n\n\n\n<li><strong>Valuation expertise: <\/strong>The industry-leading online Hagerty Valuation Tool\u00ae helps to determine a collector vehicle\u2019s market value.<\/li>\n\n\n\n<li><strong>No Required Appraisal:<\/strong> An appraisal is not required for values that reflect verifiable market values.<\/li>\n\n\n\n<li><strong>Flexible usage:<\/strong> 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 limits<sup><a href=\"#legal-2\" data-dig-id=\"LP-15215-40038305\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup>.<\/li>\n\n\n\n<li><strong>Competitive Premiums:<\/strong> Hagerty offers tailored Guaranteed Value\u2122 coverage for your collector car at a significantly lower rate compared to standardized auto coverage.<\/li>\n\n\n\n<li><strong>Collection coverages:<\/strong> If you collect cars as a hobby, Hagerty offers best-in-class coverage so you can focus on enjoying your collections.<\/li>\n\n\n\n<li><strong>Vehicle under construction:<\/strong> Guaranteed Value\u2122 coverage also protects your investment in your car during a restoration or build, which can be quite expensive.<\/li>\n\n\n\n<li><strong>Repair shop of choice:<\/strong> In the event of a claim, you have the freedom to take your vehicle(s) to a repair shop you trust.<\/li>\n\n\n\n<li><strong>HAGERTY PLUS\u00aeROADSIDE SERVICE (optional):<\/strong> 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\u2014all done by people who know and understand collectibles.<\/li>\n\n\n\n<li><strong>Cherished salvage (optional):<\/strong> 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\u2122, less any deductible<sup><a href=\"#legal-3\" data-dig-id=\"LP-15215-d3d311d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup>.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-additional-coverage-options-for-unique-vehicle-collections\">Additional coverage options for unique vehicle collections<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon-centered\">\n<li><strong>Market Appreciation Coverage: <\/strong>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.<\/li>\n\n\n\n<li><strong>Automatic New Purchase Coverage:<\/strong> 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.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__illustration  hasDarkBg\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"cardTag rbc-override-margin\">The biggest ways to save<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-multi-car-insurance-discount\">Multi-car insurance discount<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Have multiple vintage or antique cars that need coverage? More collector cars means bigger savings.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+18777497224\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15215-45cb42e8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-877-749-7224-tel:+18777497224 \">Call 1-877-749-7224<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/multi-car-discount_illustration_412x412.svg?quality=80&amp;w=1024\" alt=\"illustration of two vintage cars parked beside each other\" class=\"wp-image-18581\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-get-a-classic-car-insurance-quote\">Get a classic car insurance quote<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Get an online vintage car insurance quote or talk to one of Hagerty\u2019s licensed insurance advisors today.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15215-e67fcb2f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\">Get an online quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15215-e67fcb2f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<p class=\"pad-t-dbl\">Need help now? Call <a href=\"tel:+18888998974\" data-dig-id=\"LP-15215-c7ba709a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-899-8974\" class=\"rbc-link-format\">1-888-899-8974<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"607\" height=\"499\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/collector-car-insurance-cta.webp?quality=80&amp;w=607\" alt=\"Classic vintage car covered by collector car insurance\" class=\"wp-image-21485\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/collector-car-insurance-cta.webp 607w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/collector-car-insurance-cta.webp?resize=300,247 300w\" sizes=\"auto, (max-width: 607px) 100vw, 607px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Frequently asked questions about Collector Car Insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecf1e5fe8\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncf1e5fe8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-cf1e5fe8\" aria-controls=\"accordioncf1e5fe8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is collector car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is collector car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncf1e5fe8\" role=\"region\" aria-labelledby=\"accordion-titlecf1e5fe8\"><div class=\"collapse-inner\">\n<p>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&#8217;s built around limited, pleasure-focused use, making it a better fit for vehicles that aren&#8217;t driven every day.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7e97ce87\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7e97ce87\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-7e97ce87\" aria-controls=\"accordion7e97ce87\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How is collector car insurance different from regular car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How is collector car insurance different from regular car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7e97ce87\" role=\"region\" aria-labelledby=\"accordion-title7e97ce87\"><div class=\"collapse-inner\">\n<p>The biggest difference is how your car&#8217;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&#8217;s value upfront, and that&#8217;s what you receive after a covered total loss, minus any deductible. Premiums are also typically lower, since collector cars are driven far less.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title33726106\" class=\"collapse-toggle collapsed\" data-target=\"#accordion33726106\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-33726106\" aria-controls=\"accordion33726106\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What vehicles qualify for collector car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What vehicles qualify for collector car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion33726106\" role=\"region\" aria-labelledby=\"accordion-title33726106\"><div class=\"collapse-inner\">\n<p>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&#8217;s age, condition, rarity, and storage setup all affect eligibility. Coverage and requirements may vary by province, so speak with your RBC Insurance advisor. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-570741cc\" data-dig-label=\"Book a call\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Book a call<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9c909124\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9c909124\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-9c909124\" aria-controls=\"accordion9c909124\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does collector car insurance work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does collector car insurance work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9c909124\" role=\"region\" aria-labelledby=\"accordion-title9c909124\"><div class=\"collapse-inner\">\n<p>You and your insurer agree on your vehicle&#8217;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&#8217;s driven.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3b3a14dc\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3b3a14dc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-3b3a14dc\" aria-controls=\"accordion3b3a14dc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I get collector car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I get collector car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3b3a14dc\" role=\"region\" aria-labelledby=\"accordion-title3b3a14dc\"><div class=\"collapse-inner\">\n<p>Getting covered is simple. \u00a0You&#8217;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&#8217;s value and set your coverage. RBC Insurance, in partnership with Hagerty, makes it easy to get a quote online or by phone. <a href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" target=\"_blank\" data-dig-id=\"LP-15215-c3a9765c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Get a quote\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Get a quote<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title97a1fbaa\" class=\"collapse-toggle collapsed\" data-target=\"#accordion97a1fbaa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-97a1fbaa\" aria-controls=\"accordion97a1fbaa\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What information do I need to apply for collector car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What information do I need to apply for collector car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion97a1fbaa\" role=\"region\" aria-labelledby=\"accordion-title97a1fbaa\"><div class=\"collapse-inner\">\n<p>To apply, you&#8217;ll share your vehicle&#8217;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. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-756abe26\" data-dig-label=\"Book a call\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Book a call<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2f837972\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2f837972\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-2f837972\" aria-controls=\"accordion2f837972\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I drive my collector car to car shows and events?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I drive my collector car to car shows and events?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2f837972\" role=\"region\" aria-labelledby=\"accordion-title2f837972\"><div class=\"collapse-inner\">\n<p>Yes &#8211; collector car insurance is built for exactly this kind of use. Policies typically cover pleasure driving, car shows, parades, exhibitions, and club events. What&#8217;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&#8217;s included. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-34be40da\" data-dig-label=\"Book a call\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Book a call<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled846c980\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond846c980\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-d846c980\" aria-controls=\"accordiond846c980\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I insure a collector car as a daily driver?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I insure a collector car as a daily driver?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond846c980\" role=\"region\" aria-labelledby=\"accordion-titled846c980\"><div class=\"collapse-inner\">\n<p>Collector car insurance is built for pleasure use, not daily commuting. Most policies restrict regular use like driving to work, and you&#8217;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. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-ce69bc18\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Book a call\" class=\"rbc-link-format\">Book a call<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec768d16a\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc768d16a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-c768d16a\" aria-controls=\"accordionc768d16a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is my collector car covered during restoration or storage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is my collector car covered during restoration or storage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc768d16a\" role=\"region\" aria-labelledby=\"accordion-titlec768d16a\"><div class=\"collapse-inner\">\n<p>Yes &#8211; 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&#8217;t on the road. Speak with your RBC Insurance advisor to review exactly what&#8217;s included. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-a0ee97d5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Book a call\" class=\"rbc-link-format\">Book a call<\/a> at or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5ce90c4c\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5ce90c4c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-5ce90c4c\" aria-controls=\"accordion5ce90c4c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does collector car insurance cover?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does collector car insurance cover?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5ce90c4c\" role=\"region\" aria-labelledby=\"accordion-title5ce90c4c\"><div class=\"collapse-inner\">\n<p>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&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea2003627\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona2003627\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-a2003627\" aria-controls=\"accordiona2003627\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does collector car insurance cost?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does collector car insurance cost?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona2003627\" role=\"region\" aria-labelledby=\"accordion-titlea2003627\"><div class=\"collapse-inner\">\n<p>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&#8217;s agreed value, how and where it&#8217;s stored, your driving record, and how often you use it. RBC Insurance has partnered with Hagerty, Canada&#8217;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&#8217;re able to offer Guaranteed Value\u2122 coverage at competitive rates. When you get a quote, you&#8217;ll be guided through Hagerty&#8217;s site, where their licensed insurance advisors help you find the right coverage for your car. Rates vary &#8211; get a personalized quote to find out exactly what you&#8217;d pay. <a href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" target=\"_blank\" data-dig-id=\"LP-15215-e40dc544\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Get a quote \" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Get a quote <\/a>or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title78c7a3b6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion78c7a3b6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-78c7a3b6\" aria-controls=\"accordion78c7a3b6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What factors affect the cost of collector car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What factors affect the cost of collector car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion78c7a3b6\" role=\"region\" aria-labelledby=\"accordion-title78c7a3b6\"><div class=\"collapse-inner\">\n<p>Several factors shape your premium: your vehicle&#8217;s agreed value, make, model, and condition; how and where it&#8217;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&#8217;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. <a href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" data-dig-id=\"LP-15215-ebd29665\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Get a quote\" class=\"rbc-link-format\">Get a quote<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef0ba2a25\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf0ba2a25\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-f0ba2a25\" aria-controls=\"accordionf0ba2a25\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I get a collector car insurance quote?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I get a collector car insurance quote?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf0ba2a25\" role=\"region\" aria-labelledby=\"accordion-titlef0ba2a25\"><div class=\"collapse-inner\">\n<p>Getting a quote is quick. You can get one online through RBC Insurance&#8217;s partnership with Hagerty, or connect with a licensed insurance advisor by phone. You&#8217;ll share basic details about your vehicle, how you use it, and where it&#8217;s stored. From there, you&#8217;ll receive coverage options tailored to your car. <a href=\"https:\/\/www.hagerty.ca\/apps\/manifold\/init?aff=RBC\" target=\"_blank\" data-dig-id=\"LP-15215-e15d523b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Get a quote\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Get a quote<\/a> at or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7cf1cd91\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7cf1cd91\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15215-7cf1cd91\" aria-controls=\"accordion7cf1cd91\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do antique and collector cars need insurance in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do antique and collector cars need insurance in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7cf1cd91\" role=\"region\" aria-labelledby=\"accordion-title7cf1cd91\"><div class=\"collapse-inner\">\n<p>Yes &#8211; 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&#8217;s true collectible value. Collector car insurance ensures your car&#8217;s agreed value is protected in the event of a covered loss. Coverage requirements vary by province, so speak with your RBC Insurance advisor. <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15215-29d06fa1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Book a call\" class=\"rbc-link-format\">Book a call<\/a> or call 1-888-899-8974.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15215-1550a272\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup><\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-align-left mar-b-hlf mob-mar-b-hlf mar-r-0 mob-mar-r-0 pad-r-0 mob-pad-r-0 has-text-color has-link-color has-text-sm-font-size wp-elements-5ec9519d772d584f8a55d996a10fc0dd\" style=\"color:#585858\">RBC Insurance<sup>\u00ae<\/sup>&nbsp;is a trademark of Royal Bank of Canada. Used under license.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf has-text-sm-font-size\" id=\"disclaimer-anchor\">Hagerty Canada, LLC policies are underwritten by Aviva Insurance Company of Canada, an Aviva Canada company. This is a general description of coverage. Coverages not currently available in all provinces. Hagerty determines final risk acceptance. Hagerty, Guaranteed Value, Cherished Salvage and Hagerty Valuation Tools are registered or common law trademarks of The Hagerty Group, LLC. \u00a9 2017 The Hagerty Group, LLC.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf has-text-sm-font-size\">1) All coverages and discount not available in all provinces. This is only a general description of coverage. Coverage is subject to policy provisions, exclusions and endorsements.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf mar-r-0 mob-mar-r-0 pad-r-0 mob-pad-r-0 has-text-sm-font-size\">2) Described automobile is used exclusively for collector car activities, parades, and limited pleasure. Limited pleasure does not include: business use of any kind or regular daily driving such as but not limited to commuting to and from work or school and extended vacations not involving Collector Vehicle activities or events. Under no circumstances shall the described automobile be a primary source of transportation.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">3) Not available in all provinces<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":118,"featured_media":0,"parent":15159,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15215","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Classic Car Insurance in Canada | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Protect your classic, collector or antique car with Guaranteed Value coverage, so you get what it&#039;s truly worth. 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Get a quote online or call 1-888-899-8974.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/auto-car-insurance\/collector-classic-car-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/collector-car-insurance_hero-mobile.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"846\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/auto-car-insurance\\\/collector-classic-car-insurance\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/auto-car-insurance\\\/collector-classic-car-insurance\\\/\",\"name\":\"Classic Car Insurance in Canada | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/auto-car-insurance\\\/collector-classic-car-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/auto-car-insurance\\\/collector-classic-car-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/collector-car-insurance_hero-mobile.webp\",\"datePublished\":\"2024-10-30T12:19:56+00:00\",\"dateModified\":\"2026-10-01T17:53:34+00:00\",\"description\":\"Protect your classic, collector or antique car with Guaranteed Value coverage, so you get what it's truly worth. 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