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Classic Car Insurance Burlington

Antique, classic and vintage cars have their own style, panache and verve to them that can't be beaten. There are plenty of Burlington, Ontario car shows and swap meets where you can share your passion for collectible cars. Here is a Guide on Classic Car Insurance in Burlington, Ontario.

Insurance Definition of Classic Car

The Ministry of Transportation Ontario (MTO) has not established a clear cut definition for a "classic" car. Thus, each insurance company has established its own definition for antique, classic, vintage, rare or old vehicles. Some might concentrate on the age, others on the historical value of a model. Many collectible cars might also retain an emotional appeal for the owner. Exotic vehicles imported from overseas or retired military vehicles may have special memories attached to them.

How do you get classic car insurance?

Regular auto insurance is considered to be a "daily driver" policy. Classic car insurance companies understand that you will probably store your rare vehicle in a garage for most of the time. Some insurance companies may be more flexible and customize a policy just for your "specialty car." Also, insurance companies have different areas of expertise. Some are "all-purpose" firms that include classic car insurance as an option. A few rare companies specialize in vintage automobile insurance.

Important Features in Vintage Auto Insurance

Collecting cars is a great hobby for gear-heads or retired seniors. You might have saved up your entire life to purchase your special dream car. Here are some of the important features of a classic car insurance policy:
  • Agreed value
  • Vintage parts replacement
  • Exotic service shop
  • Annual mileage allowed

What type of antique car do you own? Is your car a vintage, custom, hot-rod, muscle car or "Euro Tuner?" Perhaps, a temporary insurance policy may serve you better if you simply want to cruise the summer visiting the car swaps and vehicle shows. Insurers depreciate the value of automobiles over time. Typically, a car that lasts 20 years is exceptional. Most classic cars have had their important parts replaced due to normal wear-and-tear. Antiques are usually restored vehicles; thus, one challenge is to find an "agreed upon" value for your vehicle. Classic cars need to use high-quality vintage replacement parts after an accident. You might want to ensure that flatbed service is guaranteed. Also, you might want to discuss special service shops that are acceptable. Installing shoddy parts could reduce the value of your classical car dramatically. Finally, how many kilometres can you drive your special vehicle annually? The standard distance for classic automobile insurance is around 5,000 kilometres per year.

You will need an appraisal

Many antique vehicles might not be "street-ready." Hand-crank engines, narrow bicycle tires and lack of safety features may lead to traffic restrictions on your vehicle. Some old vehicles just don't travel as fast as modern cars. Certain antique vehicles may qualify for special licence plates. You will probably need an appraisal of your classic vehicle too. Since 1984, Golden Horseshoe Classic and Rod has been appraising vehicles. Here is the address of this fully insured and licensed appraiser:
  • Golden Horseshoe Classic & Rod
  • 40 Belview Ave
  • Hamilton, ON, Canada
  • Telephone: (519) 909-8993

Classic Car Examples

Everyone has their own list, but most antique cars should be rare and exemplify excellent craftsmanship. There are many Canadian clubs that might concentrate on one particular make (i.e. Rolls-Royce or Ferrari). Here are some classic car examples:
  • 1886 Mercedes Benz Daimler Motor Carriage
  • 1912 Brass Era Ford Model T
  • 1912 Lesney Y7-3 Rolls-Royce
  • 1914 Duesenberg
  • 1921 Rolls-Royce Silver Ghost 40/50 HP Hooper Open Tourer
  • 1929 Cord L-29 Hayes Coupe
  • 1930 Bugatti Type 46 Superprofile Coupe
  • 1934 Packard Twelve Dietrich Convertible Victoria (only 3 remain)
  • 1935 Auburn 851 Boat-Tail
  • 1936 Jaguar SS100 2.5 - litre
  • 1937 Bentley 4 1/4 - litre Sedan Coupe
  • 1956 Ferrari 250 GT Pinin Farina Coupe Speciale (only 4 exist)
  • 1957 Chevy (Bel-Air)
  • 1960 Jaguar MK2 3.8 Saloon

Burlington Ontario Car Shows

Here is a list of Ontario Car Shows in or around Burlington:
  • Alliston Canadian Tire "Hot Ones Weekly Cruise Night" May to October
  • Alliston Potato Festival Car Show in August
  • Ayr PriorityFest "Car Show and Family Fun Day" in August
  • Bowmanville "TORQUE modified Custom Car and Truck Show" in August
  • Brampton "9th Annual Cruisin' for a Cure Canada" in September
  • Brantford "Powerfest Car Show" in July
  • Burlington Downtown Car Show in July
  • Cambridge "Tyrods Fall Cruise" in September
  • Concours d'Elegance in September
  • Dunnville Cruisers Car Club in May
  • Hamilton "Cops N Rodders Car Show" in August
  • Kitchener "5th Annual Doon Cruise- In Auto Extravaganza" in July
  • Mississauga "10th NRMCC Maverick Comet Meet and Greet" in August
  • Mississauga "Toronto Classic Car Auction" in October
  • Oakville "Kerrfest 2015 Vintage Car & Truck Show" in September
  • Orangeville "Wheelfest" in August
  • Oshawa "Autofest Oshawa" in August
  • Shelburne "Shelburne Fair Car Show" in September
  • St. Catharines "Husky Monday Cruise Nights" June to September
  • St Marys "4th Annual Downtown Car Show" in August
  • Toronto "MegaSpeed Custom Car & Truck Show" in March
  • Toronto "Motorama Custom Car Expo" in March
  • Toronto "Wheels on the Danforth" in August
  • Toronto "Yorkville Exotic Car Show" in June
  • Tour to YesterYear in July

Burlington Classic Car Insurance Brokers

Here is a list of Burlington Classic Car Insurance Brokers:
  • Aviva
  • Dalton Timmis Insurance Group
  • J.D. Smith Insurance Brokers
  • Hagerty Silver Wheel Program
  • Mac Vanderhout
  • Maurice Bramhall & Associates
  • Nationwide
  • Pilot Insurance Company
  • PV&V Insurance
  • ThinkInsure
  • Vintage Auto Insurance
  • Zehr Insurance