Cars are considered classics when they have a certain number of years, in addition to the model and the number of original parts they contain. We all know how valuable the interior and exterior of these types of vehicles can be.
Having insurance to protect us financially is very necessary; otherwise, if we have an unexpected accident, we could lose a lot of money.
At Dulcinea Insurance, we can help you acquire classic car insurance focused on your needs and budget.
Call us at 786-910-9487 and one of our agents will give you free advice to clarify any doubts you may have.
What vehicles are considered classics by insurance companies?
Classic cars are defined as vehicles that are more than 30 years old and retain at least 85% of their original parts. Otherwise, they are simply considered vintage cars. The types of cars that insurers typically cover under classic car policies are:
- Trucks or high-horsepower vehicles.
- Vintage scooters and motorcycles.
- Vintage race cars.
- Modified and custom vehicles.
- Post-war cars.
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What requirements must we meet to obtain classic car insurance?
Classic cars are unique pieces that we must take good care of. For this reason, insurance companies require certain extra requirements, in addition to the common ones that guarantee vehicle safety, which are:
- We must have an enclosed space where we can shelter it, with the necessary safety measures.
- We will not be able to use the car on a daily basis, nor commercially, only for exhibitions or meetings.
- In case you have a high-voltage car, we will not be able to use it for towing or hauling.
What coverages do you offer for classic car insurance?
Classic cars, just like regular vehicles, run the risk of accidents, theft, fire, or damage due to natural disaster. This is why insurance companies offer very similar coverage options, with the difference being that they are adapted to the costs of these types of vehicles, which are:
- Liability insurance
- Medical and damage expense coverage.
- Coverage for claims and third parties with insufficient insurance.
- Roadside assistance and theft coverage.
- Access to experienced personnel to repair classic vehicles.
Why do classic cars need insurance?
Classic cars are considered relics whose value is not only economic but also sentimental. These types of vehicles, being so eye-catching, run many risks, one of which is being stolen. Having insurance that protects us and also provides legal advice is very advantageous for resolving any problems that may arise.
How to acquire classic car insurance?
At Dulcinea Insurance, we understand how important your vehicle's safety is to you and how painful it would be to suddenly lose what you've cared for for so long. For this reason, we have created special policies that cover your car's needs.
Call us at 786-910-9487 and one of our agents will explain to you how to acquire this type of insurance.
