Is a vehicle appraisal required?

Often yes. The insurer may require detailed photos, restoration invoices, and sometimes a professional appraisal. Some programs use recognized appraisal tools without requiring an independent appraisal.

What is the difference between standard insurance and collector insurance?

Standard insurance uses depreciated value, while collector insurance uses agreed value (guaranteed amount). Collector insurance is often 40% to 54% cheaper but imposes usage restrictions.

Can I use my antique vehicle for daily commuting?

No. Antique vehicle insurance is designed for limited use: pleasure drives, exhibitions, rallies, and events. You must have another insured vehicle for your daily commuting.

Antique and Collector's Vehicle Insurance in Quebec

Q: What is an "antique car" for insurance purposes?

According to the insurer, it is a vehicle that is 25 to 30 years old or older, in original condition or properly restored, used for pleasure or events, and with limited mileage. The registration rules at the SAAQ are distinct from the insurance criteria.

Q: Are modifications accepted?

Period restorations are generally well regarded. Performance modifications (engine swap, racing suspension) may require a different product or lead to surcharges or exclusions. Any modification must be declared.

Q: What is agreed value?

Agreed value is an amount agreed upon between you and the insurer for your vehicle. In the event of a total loss, you receive this amount without depreciation. Ideal for classic or restored cars.

Q: Does my vehicle need to be stored in a garage?

Yes, most insurers require secure storage: closed garage, heated shelter, or specialized facility. Permanent outdoor parking is generally not accepted.

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Vehicles 25 years+

Antique vehicle and classic insurance in Quebec

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Premiums up to 54% cheaper than standard insurance

What is antique vehicle insurance?

Antique auto insurance is generally designed for vehicles aged 25 years or older. Insurers often consider these cars as collectibles, and owners typically use them for occasional drives or classic car events. Insurance policies for antique cars often have lower premiums than standard auto insurance policies, as antique car owners are less likely to drive these vehicles regularly. As a specialized insurance broker, Assur360 works with several insurers… “““html

errors to offer you the best protection at the best price.

Do you own an antique, classic, or special value automobile?

Assur360 can help you by adhering to an insurance coverage specially designed for your car. Is your car original, used for personal purposes? We can assist you!

Are you a true vehicle enthusiast and collecting antique cars or just one car? We have the product you need! Do you own the Ferrari of your dreams and want to protect that investment?

Our great strength is being able to meet all the needs of our clients for antique auto insurance thanks to the diversity of insurers we work with. Whether it’s for a quote for classic, antique, or modified vehicles, our network of partner brokers offers personalized support at every step.

Meeting your needs for antique automobile insurance is our obsession by offering you a multitude of high-quality products and insurers.

Did you know? Insurance premiums for antique vehicles can be up to 54% lower than standard auto insurance. Insurers recognize that classic vehicle owners drive cautiously and cover fewer kilometers. With a guaranteed value policy, your vehicle is guaranteed for the agreed amount in case of total loss, without depreciation.

Types of antique and collectible vehicles covered in Quebec

In Quebec, the Société de l’assurance automobile du Québec (SAAQ) allows the registration of collectible vehicles under certain conditions. Collectible vehicle insurance is aimed at a wide variety of cars and motorized vehicles. Here are the main categories that our partner brokers can cover:

Antique cars — vehicles 25 years and older in original condition or faithfully restored (e.g., Ford Model T, Chevrolet Bel Air, Volkswagen Beetle)
Classic cars — iconic models 15 to 25 years old recognized for their design or historical significance (e.g., Porsche 911, Jaguar E-Type)
Muscle cars — high-performance American vehicles from the 1960s-1970s (e.g., Ford Mustang, Chevrolet Camaro, Dodge Charger)
Exotic and luxury cars — Ferrari, Lamborghini, Aston Martin, and other prestigious brands
Antique trucks and utility vehicles — restored pickups, vintage delivery trucks
Future classics — recent limited-production vehicles whose value is expected to increase
Modified vehicles (hot rods, restomod) — classic cars with modern mechanics, subject to full declaration

If you also own a recreational vehicle, a motorcycle, or a boat, our brokers can bundle your coverages to maximize your savings.

Eligibility criteria for antique vehicle insurance

To benefit from an antique auto insurance policy in Quebec, your vehicle must generally meet these criteria, which may vary by insurer:

Minimum age: 25 years and older for most programs (some accept 15 years for “future classics”)
Limited use: pleasure drives, exhibitions, rallies, and events — no daily use for work or regular commutes
Restricted mileage: generally between 3,000 and 8,000 km per year depending on the policy
Secure storage: locked garage or heated shelter required (no permanent outdoor parking)
Daily vehicle: the owner must have another insured vehicle for everyday use
Driving record: a good record without major infractions is usually required

The Autorité des marchés financiers (AMF) recommends always comparing offers from multiple insurers before purchasing a policy. That’s exactly what our brokers do for you — request your free quote now.

The Silver Wheel Plan TM antique and collectible car program

Since February 1, 2016, in Quebec, Aviva Canada covers classic or modified cars in Quebec through The Silver Wheel Plan TM. Classic or modified car enthusiasts pay great attention to how they protect their treasures.

Benefits of The Silver Wheel Plan TM insurance

No appraisal required: with the help of the Hagerty valuation tool, we establish the value of the vehicle in consultation with you and do not require any independent appraisal. The values of collectible vehicles indicated in the Hagerty Price Guide are among the most reliable in the field.
Guaranteed value protection: the total insured value of the car is guaranteed in case of total loss. Year-round protection across Canada and the United States.
Automatic coverage: new acquisitions and replacement antique cars are automatically covered up to $25,000. Deductible options starting at $100.

Standard insurance vs collectible insurance

Standard insurance	Collectible insurance
Depreciated value each year	Agreed value (guaranteed amount)
Daily use allowed	Limited use (pleasure/events)
Higher premium	Often 40-54% cheaper
High deductibles	Deductibles starting at $100
Not very flexible	Tailored for enthusiasts

Which classic cars can be covered?

We protect all kinds of classic cars, trucks, and other vehicles, including antique automobiles, collectible cars, and vintage cars, some modified vehicles, and more recent ones (sometimes called “modern classics” or “future classics”), as well as many types of specialized vehicles. The quality “““html

The premium depends on usage, storage, and driving record. For more information, consult our insurance brokers now.

Why inspections and evaluations of antique vehicles?

Inspections and evaluations of antique cars are essential to ensure the safety, reliability, and authenticity of these special vehicles. Antique car owners should be aware of the issues related to preserving their car and should ensure they take care of their vehicle by performing regular inspections and evaluations.

Classic cars, an investment

The impacts of financial investments on the classic car market should not be overlooked. Indeed, these cars are considered safe investments, attracting investors looking to protect their capital. Over the past five years, the prices of classic cars have significantly increased, primarily due to their status as a safe haven. This trend has impacted the classic car market as a whole, with price increases observed for iconic models such as the Porsche 911, Ferrari, certain Citroën, and Lamborghini Diablo. The Insurance Bureau of Canada (IBC) also emphasizes the importance of properly documenting the value of these vehicles to ensure adequate coverage.

Are premiums lower?

We understand that your car is a valuable passion and will be driven with great care. We therefore adjust the premiums accordingly, up to 54% lower on average than standard insurance for daily drivers. With a policy for daily drivers, your classic car may be classified as a regular-use vehicle, and you will be charged as if you were driving the vehicle every day. Your insurance broker for antique cars is here to advise you.

How to properly protect your classic vehicle

Protecting a classic vehicle goes beyond simply purchasing an insurance policy. Here are the best practices recommended by our specialized brokers to preserve the value of your investment:

Proper winter storage: in Quebec, harsh winters can cause significant damage. A heated garage with humidity control is ideal. Use a breathable cover and a fuel stabilizer.
Complete documentation: keep all restoration invoices, before/after photos, certificates of authenticity, and professional evaluations. These documents are essential to establish the agreed value.
Regular preventive maintenance: even if the vehicle is driven little, fluids, belts, and seals should be checked annually by a specialized mechanic.
Theft system: a certified anti-theft device can reduce your insurance premium and protect a vehicle that is often irreplaceable.
Updating the value: the value of classic cars fluctuates. Reassess your vehicle every 2-3 years to adjust the coverage to its actual market value.

Quote for your classic vehicle

Getting a classic vehicle insurance quote in Quebec has never been easier. Whether you own a 60s American muscle car, a vintage European sedan, or a restored 50s truck, our partner brokers specialized in antique car insurance carefully evaluate your vehicle to offer you coverage tailored to its agreed value.

Unlike standard insurances that depreciate your vehicle each year, classic insurance guarantees the agreed amount in case of total loss — essential protection for an investment that appreciates over time. Fill out our online quote form in just a few minutes and receive a personalized offer from a certified broker, with no obligation. It’s quick, free, and confidential.

Antique vehicle insurance across Quebec

Our partner brokers offer antique and classic vehicle insurance in all regions of Quebec. Whether you are in Montreal, Quebec, Laval, Gatineau, Sherbrooke, Trois-Rivières, Drummondville, or Thetford Mines, we can help you find the best coverage for your classic vehicle.

Frequently asked questions about antique vehicle insurance

What is an “antique car” for insurance?

According to the insurer, it is a vehicle that is 25 to 30 years old or more, in original condition (or properly restored), used for pleasure or events and with a limited mileage. The registration rules for “classic/antique vehicle” at the SAAQ are distinct from the insurance criteria. Check both before subscribing.

Are modifications accepted?

Period restorations are generally well-regarded by insurers. Performance modifications (engine swaps, racing suspension) may require a different product or result in surcharges or exclusions. Any modification must be declared to your broker.

What is the agreed value?

The agreed value is an amount agreed upon between you and the insurer for your vehicle. In the event of a total loss, you receive this amount without depreciation. It is the ideal formula for classic or restored cars whose value often exceeds the standard market price.

Is a vehicle evaluation required?

Often yes. The insurer may require detailed photos, restoration invoices, and sometimes a professional appraisal. These documents are important for establishing the agreed value of your classic vehicle. Some programs like the Silver Wheel Plan use recognized evaluation tools without requiring an independent appraisal.

What is the difference between standard insurance and classic insurance?

Standard insurance uses the depreciated value (which decreases each year), while classic insurance uses the agreed value (guaranteed amount). Classic insurance is often 40% to 54% cheaper but imposes usage restrictions.

“““html (plaisir seulement, kilometrage limite). You must also own a separately insured daily vehicle.

How much does insurance for an antique vehicle cost in Quebec?

The cost varies depending on the value of the vehicle, its year, your driving record, and the intended use. In general, premiums are significantly lower than standard auto insurance, sometimes up to 54% cheaper. Deductibles can start from $100. Request a free quote to get an exact price.

Does my vehicle need to be stored in a garage?

Yes, most insurers require secure storage: locked garage, heated shelter, or specialized facility. Permanent outdoor parking is generally not accepted. In winter in Quebec, a garage with humidity control is highly recommended to preserve the value of your vehicle.

Can I use my antique vehicle for my daily commutes?

No. Antique vehicle insurance is designed for limited use: pleasure drives, exhibitions, rallies, and automotive events. You must own another insured vehicle for your daily commutes. Mileage is generally limited to between 3,000 and 8,000 km per year.

Antique vehicle insurance