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Post Info TOPIC: Classic/Vintage car insurance coverage


KITCHENER, ONT

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Classic/Vintage car insurance coverage
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My 17 year old daughter would like to drive our 1931 Ford Coupe streetrod (glass car) once in awhile. Do any Classic/Vintage insurance companies cover newer drivers?


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COBBLE HILL, BC

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Best answer would be from your insurer.

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Not sure entirely how this works .However intact insurance has a program that monitors the way the car is driven through a device that plugs into the cars computer black box an sends information back to the insurer..
For reduced Rates.(just bought a collision car that had one in it)
Not sure how this would work in a Hotrod/streetrod such as yours or the options they offer might be worth looking into to help her get behind that wheel instead of just hearing the BIG NO CAN DO.

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RICHMOND, ONT

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Would you want her driving? Best to talk to your insurance company.

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ONTARIO

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Hyper Henry wrote:
My 17 year old daughter would like to drive our 1931 Ford Coupe streetrod (glass car) once in awhile. Do any Classic/Vintage insurance companies cover newer drivers?

         In short, NO.

         Ontario law states drivers must have minimum 10 years driving experience to obtain or be insured under classic insurance. Does not mean at age 26 either. Its 10 years 

         driving experience no matter the age. 

 

         I called 30 companies and only found 1 that would insure my son for a vehicle over 20 years old. And the premium was $5800 per year with no coverage. Even the online quotes

         do not even go back past 2o yrs of age with vehicle. Bel Air ex:

 

          If you find any company the only way around it is to insure it fully not as a classic so your premium will be high. 

          Any licensed driver in the household must be insured or hold their own policy or sign a waiver that they will not drive any vehicle and insurance will be void if caught etc.

 

          Sorry for the bummer news. But thats the info I got year ago. Unless things have changed , please advise me.



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TRENTON, ONT

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 When I had my 88 Mustang anyone under 25 could not drive it. I was with Lant and it was under their classic policy. Not sure what insurance company you have, but would check with them to see if they would let your 17 year old drive it occasionally with a waiver or certain stipulations. (example you must be with her) Hope this helps, and best of luck.



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T Deckert


KITCHENER, ONT

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GhostPost wrote:
Hyper Henry wrote:
My 17 year old daughter would like to drive our 1931 Ford Coupe streetrod (glass car) once in awhile. Do any Classic/Vintage insurance companies cover newer drivers?

         In short, NO.

         Ontario law states drivers must have minimum 10 years driving experience to obtain or be insured under classic insurance. Does not mean at age 26 either. Its 10 years 

         driving experience no matter the age. 

 

         I called 30 companies and only found 1 that would insure my son for a vehicle over 20 years old. And the premium was $5800 per year with no coverage. Even the online quotes

         do not even go back past 2o yrs of age with vehicle. Bel Air ex:

 

          If you find any company the only way around it is to insure it fully not as a classic so your premium will be high. 

          Any licensed driver in the household must be insured or hold their own policy or sign a waiver that they will not drive any vehicle and insurance will be void if caught etc.

 

          Sorry for the bummer news. But thats the info I got year ago. Unless things have changed , please advise me.


 Well thats basically the info I got yesterday from four different classic car insurance companies. Daughter is totaly bummed and frankly so am I. How are we supposed to get the youth involved in old cars when they can't even drive them??!! A real shame....:o(

 



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PRINCE EDWARD COUNTY, ONT

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Pay the $5800 like any other youth. The reason for $100 insurance is because the cars are driven little and by drivers with 10 years or more experience. I don't want some child driving up my collector car rates. Sorry to be so blunt, but that's the way it is.

Warren

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ONTARIO

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Hyper Henry wrote:
GhostPost wrote:
Hyper Henry wrote:
My 17 year old daughter would like to drive our 1931 Ford Coupe streetrod (glass car) once in awhile. Do any Classic/Vintage insurance companies cover newer drivers?

         In short, NO.

         Ontario law states drivers must have minimum 10 years driving experience to obtain or be insured under classic insurance. Does not mean at age 26 either. Its 10 years 

         driving experience no matter the age. 

 

         I called 30 companies and only found 1 that would insure my son for a vehicle over 20 years old. And the premium was $5800 per year with no coverage. Even the online quotes

         do not even go back past 2o yrs of age with vehicle. Bel Air ex:

 

          If you find any company the only way around it is to insure it fully not as a classic so your premium will be high. 

          Any licensed driver in the household must be insured or hold their own policy or sign a waiver that they will not drive any vehicle and insurance will be void if caught etc.

 

          Sorry for the bummer news. But thats the info I got year ago. Unless things have changed , please advise me.


 Well thats basically the info I got yesterday from four different classic car insurance companies. Daughter is totaly bummed and frankly so am I. How are we supposed to get the youth involved in old cars when they can't even drive them??!! A real shame....:o(

 


 What irritates me the most.....a 16 yr old in Michigan can get classic car insurance. It is not the Insurance company that mandated this. It is Ont law. :( Trust me. Im not happy about it either.



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S/W ONTARIO

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Our government   wouldn't want a young person driving a antique slug  of a car in the summer. Much better to direct them to a bike that will do

9 seconds out of the box.confuseconfuse



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Senior Member

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Posts: 539
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GhostPost wrote:
Hyper Henry wrote:
GhostPost wrote:
Hyper Henry wrote:
My 17 year old daughter would like to drive our 1931 Ford Coupe streetrod (glass car) once in awhile. Do any Classic/Vintage insurance companies cover newer drivers?

         In short, NO.

         Ontario law states drivers must have minimum 10 years driving experience to obtain or be insured under classic insurance. Does not mean at age 26 either. Its 10 years 

         driving experience no matter the age. 

 

         I called 30 companies and only found 1 that would insure my son for a vehicle over 20 years old. And the premium was $5800 per year with no coverage. Even the online quotes

         do not even go back past 2o yrs of age with vehicle. Bel Air ex:

 

          If you find any company the only way around it is to insure it fully not as a classic so your premium will be high. 

          Any licensed driver in the household must be insured or hold their own policy or sign a waiver that they will not drive any vehicle and insurance will be void if caught etc.

 

          Sorry for the bummer news. But thats the info I got year ago. Unless things have changed , please advise me.


 Well thats basically the info I got yesterday from four different classic car insurance companies. Daughter is totaly bummed and frankly so am I. How are we supposed to get the youth involved in old cars when they can't even drive them??!! A real shame....:o(

 


 What irritates me the most.....a 16 yr old in Michigan can get classic car insurance. It is not the Insurance company that mandated this. It is Ont law. :( Trust me. Im not happy about it either.


 Theres alot wrong with the system...

https://www.thestar.com/news/queenspark/2017/01/15/ontario-drivers-with-unpaid-speeding-tickets-to-be-denied-licence-plates.html

 

ld-ohio-boy-drives-232419807.html?soc_src=mail&soc_trk=ma" target="_blank">8-Year-Old Ohio Boy Drives His Little Sister to McDonald's After Learning How by Watching YouTube Videos

 

https://www.thestar.com/news/gta/2017/04/07/ontarians-lives-in-turmoil-over-arbitrarily-suspended-drivers-licences.html

 

Below is recent document sent off= A view of opinion:

 




-- Edited by Ground Pounder on Thursday 20th of April 2017 11:12:06 AM

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Senior Member

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Register your car to an address outside Ontario....
Simple problem solved!!!

Tomuchjunk comment is priceless also

Our government wouldn't want a young person driving a antique slug of a car in the summer. Much better to direct them to a bike that will do

9 seconds out of the box.confuseconfuse

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KITCHENER, ONT

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wuga wrote:

Pay the $5800 like any other youth. The reason for $100 insurance is because the cars are driven little and by drivers with 10 years or more experience. I don't want some child driving up my collector car rates. Sorry to be so blunt, but that's the way it is.

Warren


 I'm not sure that statement can be anymore wrong! Seen many many drivers with 10 years plus plus drive like complete fools!! If they want put restrictions on younger drivers; can't drive without owner in car; can't drive at night; can't drive with more than one passneger etc etc. but pretty hard to keep youth involved in the classic car hobby if all they can do is work on or help with the car and not have a chance to drive it.

My 2 cents

 

 



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ALLAN PARK, ONT

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I wonder what the insurance company might say if the 17 year old's father was in the car when she was driving it?....Might be worth asking about.

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ONTARIO

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poncho62 wrote:

I wonder what the insurance company might say if the 17 year old's father was in the car when she was driving it?....Might be worth asking about.


 Nope, wont happen legally. And if the insurance finds out they will cancel his policy.



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RV


SIMCOE, ONT

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I insure my 70 Chevelle under regular insurance at a appraised value of over 30 grand. Insurance cost me a little over $800.00 a year with everything on it. A year ago I had my 56 caddy with appraised value of $15,000.00 cost me $700.00 a year both were insured at the same time, plus my wife's daily driver, my work truck is with the same company but insured under my business. I only put full coverage on them for 5-6 months this was cheaper then going with the classic insurance for me, this works out do half of the above premium. I have a 17 year boy, 18 year old daughter, and a 20 year old boy. They can drive these cars anytime, anywhere. I can now take these cars to work, for work, park in a mall parking lot, that them to church away on holidays. The insurance company knows about my kids and where and how I use the cars. That being said they don't drive them all the time. I look at it they all help working on them and helped on the Chevelle during its build and once my 37 Chev sedan is done I will do the same thing. I have looked at the classic insurance and with the restrictions I thought this was a better way to go.

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