Frequently Asked Questions
Whether a first time collector researching classic car insurance or are considering switching collector car insurance companies, here are answers to some common questions collectors often asked.
What vehicles are eligible for the program?
Check out our eligibility requirements section.
Where am I covered? Where can I take my vehicle?
Taking your vehicle to a series of shows in New England? Taking a club tour through the Rockies? No problem at all. Your vehicle is covered in the continental United States, its territories and possessions, and Canada. Special arrangements can even be made to protect your vehicle overseas.
How can I use my vehicle?
The vehicle should be used primarily for hobby purposes, such as club activities, parades, or other functions of public interest. We understand your vehicle needs to be driven, so taking the car for a drive to “give it some exercise” or simply to enjoy it on a nice day, is perfectly acceptable and considered part of the hobby. However, the vehicle should not be used as a daily driver or in any kind of racing event.
What does “Agreed Value” mean, and does J.C. Taylor include this coverage?
Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive, less any applicable deduction.
What happens if I have a loss to my collectible vehicle?
Just contact J.C. Taylor Claims 800-345-8290 or Help Point Claims at 800-527-3907. Our customers have been consistently impressed with the overall speed, knowledge, fairness, and superior quality of our claims service. When you have a claim is when the insurance really matters, and excellence in customer service is our number one goal. We’ll work with you to make sure that your claim is settled promptly and fairly.
Can I occasionally race my collectible vehicle?
Unfortunately not. Racing and other timed events are specifically excluded under the policy.
Does J.C. Taylor require a deductible on Physical Damage coverage?
Though a few exceptions exist, in most states, there is no ($0) deductible for physical damage coverage. However, a $250 deductible on physical damage coverage applies under our Modified program.
