{"id":15749,"date":"2026-03-27T11:50:00","date_gmt":"2026-03-27T15:50:00","guid":{"rendered":"https:\/\/www.assur360.ca\/antique-vehicle-insurance-4\/"},"modified":"2026-06-25T17:29:31","modified_gmt":"2026-06-25T21:29:31","slug":"antique-vehicle-insurance-4","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-4\/","title":{"rendered":"Antique vehicle insurance"},"content":{"rendered":"&#8220;`html\n\n<style>\n#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n\n\/* === ANTIQUE VEHICLE INSURANCE \u2014 Scoped Design System === *\/\n.a360-ant *{box-sizing:border-box}\n.a360-ant{font-family:'DM Sans',sans-serif;color:#1e293b;line-height:1.7;max-width:900px;margin:0 auto}\n.a360-ant h1,.a360-ant h2,.a360-ant h3{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-ant a{color:#10c4c7;text-decoration:none}\n.a360-ant a:hover{text-decoration:underline}\n\n\/* Hero CTA 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.a360-ant-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}\n\n\/* Responsive *\/\n@media(max-width:768px){\n  .a360-ant-hero{padding:40px 18px}\n  .a360-ant-hero h1{font-size:26px}\n  .a360-ant-steps{grid-template-columns:repeat(2,1fr);gap:16px}\n  .a360-ant-section h2,.a360-ant-faq h2{font-size:22px}\n  .a360-ant-cta-final{padding:36px 18px}\n  .a360-ant-cta-final h2{font-size:22px}\n  .a360-ant-table{font-size:13px}\n  .a360-ant-table thead th,.a360-ant-table tbody td{padding:8px 10px}\n}\n<\/style>\n\n<div class=\"a360-ant\">\n\n<!-- HERO CTA -->\n<div class=\"a360-ant-hero\">\n  <div class=\"a360-ant-badge\">Vehicles 25 years+<\/div>\n  <h2><span class=\"ez-toc-section\" id=\"Antique-vehicle-and-classic-insurance-in-Quebec\"><\/span>Antique <span>vehicle<\/span> and classic insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p class=\"a360-ant-sub\">Protect your collection at the best price. Our certified AMF insurance brokers compare multiple specialized insurers to offer you agreed value coverage tailored to your collectible vehicle.<\/p>\n  <div class=\"a360-ant-btns\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" class=\"a360-ant-btn-teal\">Get my free quote<\/a>\n    <a href=\"tel:18663574451\" class=\"a360-ant-btn-outline\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<!-- STEPS -->\n<div class=\"a360-ant-steps\">\n  <div class=\"a360-ant-step\">\n    <div class=\"a360-ant-num\">1<\/div>\n    <h4>Form<\/h4>\n    <p>Fill out our online form in just a few minutes<\/p>\n  <\/div>\n  <div class=\"a360-ant-step\">\n    <div class=\"a360-ant-num\">2<\/div>\n    <h4>Comparison<\/h4>\n    <p>Our brokers compare offers from several specialized insurers<\/p>\n  <\/div>\n  <div class=\"a360-ant-step\">\n    <div class=\"a360-ant-num\">3<\/div>\n    <h4>Broker advice<\/h4>\n    <p>A collectible vehicle expert guides you to the best protection<\/p>\n  <\/div>\n  <div class=\"a360-ant-step\">\n    <div class=\"a360-ant-num\">4<\/div>\n    <h4>Save<\/h4>\n    <p>Premiums up to 54% cheaper than standard insurance<\/p>\n  <\/div>\n<\/div>\n\n<!-- SECTION: Introduction -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-is-antique-vehicle-insurance\"><\/span>What is antique vehicle insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Antique auto insurance is generally designed for vehicles aged 25 years or older. Insurers often consider these cars as <a href=\"\/oeuvre-art\/\">collectibles<\/a>, and owners typically use them for occasional drives or <strong>classic car events<\/strong>. Insurance policies for antique cars often have lower premiums than standard <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">auto insurance<\/a> policies, as antique car owners are less likely to drive these vehicles regularly. As a <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\">specialized insurance broker<\/a>, Assur360 works with several insurers&#8230;\n&#8220;&#8220;&#8220;html\n<p>errors to offer you the best protection at the best price.<\/p>\n<\/div>\n\n<!-- SECTION: Do you own -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Do-you-own-an-antique-classic-or-special-value-automobile\"><\/span>Do you own an antique, classic, or special value automobile?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>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!<\/p>\n  <p>Are you a true vehicle enthusiast and <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\">collecting antique cars<\/a> or just one car? We have the product you need! Do you own the Ferrari of your dreams and want to protect that investment?<\/p>\n  <p>Our great strength is being able to meet all the needs of our clients for <strong>antique auto insurance<\/strong> thanks to the diversity of insurers we work with. Whether it&#8217;s for a <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">quote for classic, antique, or modified vehicles<\/a>, our network of partner brokers offers personalized support at every step.<\/p>\n  <p>Meeting your needs for <a href=\"https:\/\/www.vaq.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">antique automobile insurance<\/a> is our obsession by offering you a multitude of high-quality products and insurers.<\/p>\n<\/div>\n\n<!-- HIGHLIGHT BOX -->\n<div class=\"a360-ant-highlight\">\n  <strong>Did you know?<\/strong> Insurance premiums for antique vehicles can be up to <strong>54% lower<\/strong> than standard auto insurance. Insurers recognize that classic vehicle owners drive cautiously and cover fewer kilometers. With a <strong>guaranteed value<\/strong> policy, your vehicle is guaranteed for the agreed amount in case of total loss, without depreciation.\n<\/div>\n\n<!-- SECTION: Types of vehicles -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Types-of-antique-and-collectible-vehicles-covered-in-Quebec\"><\/span>Types of antique and collectible vehicles covered in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>In Quebec, the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/a> allows the registration of collectible vehicles under certain conditions. <strong>Collectible vehicle insurance<\/strong> is aimed at a wide variety of cars and motorized vehicles. Here are the main categories that our partner brokers can cover:<\/p>\n  <ul>\n    <li><strong>Antique cars<\/strong> &#8212; vehicles 25 years and older in original condition or faithfully restored (e.g., Ford Model T, Chevrolet Bel Air, Volkswagen Beetle)<\/li>\n    <li><strong>Classic cars<\/strong> &#8212; iconic models 15 to 25 years old recognized for their design or historical significance (e.g., Porsche 911, Jaguar E-Type)<\/li>\n    <li><strong>Muscle cars<\/strong> &#8212; high-performance American vehicles from the 1960s-1970s (e.g., Ford Mustang, Chevrolet Camaro, Dodge Charger)<\/li>\n    <li><strong>Exotic and luxury cars<\/strong> &#8212; Ferrari, Lamborghini, Aston Martin, and other prestigious brands<\/li>\n    <li><strong>Antique trucks and utility vehicles<\/strong> &#8212; restored pickups, vintage delivery trucks<\/li>\n    <li><strong>Future classics<\/strong> &#8212; recent limited-production vehicles whose value is expected to increase<\/li>\n    <li><strong>Modified vehicles (hot rods, restomod)<\/strong> &#8212; classic cars with modern mechanics, subject to full declaration<\/li>\n  <\/ul>\n  <p>If you also own a <a href=\"\/assurance-vr\/\">recreational vehicle<\/a>, a <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-quote-5\/\">motorcycle<\/a>, or a <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-quote-3\/\">boat<\/a>, our brokers can bundle your coverages to maximize your savings.<\/p>\n<\/div>\n\n<!-- SECTION: Eligibility criteria -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Eligibility-criteria-for-antique-vehicle-insurance\"><\/span>Eligibility criteria for antique vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>To benefit from an <strong>antique auto insurance<\/strong> policy in Quebec, your vehicle must generally meet these criteria, which may vary by insurer:<\/p>\n  <ul>\n    <li><strong>Minimum age<\/strong>: 25 years and older for most programs (some accept 15 years for &#8220;future classics&#8221;)<\/li>\n    <li><strong>Limited use<\/strong>: pleasure drives, exhibitions, rallies, and events &#8212; no daily use for work or regular commutes<\/li>\n    <li><strong>Restricted mileage<\/strong>: generally between 3,000 and 8,000 km per year depending on the policy<\/li>\n    <li><strong>Secure storage<\/strong>: locked garage or heated shelter required (no permanent outdoor parking)<\/li>\n    <li><strong>Daily vehicle<\/strong>: the owner must have another insured vehicle for everyday use<\/li>\n    <li><strong>Driving record<\/strong>: a good record without major infractions is usually required<\/li>\n  <\/ul>\n  <p>The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noreferrer noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> recommends always comparing offers from multiple insurers before purchasing a policy. That&#8217;s exactly what our brokers do for you &#8212; <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\">request your free quote<\/a> now.<\/p>\n<\/div>\n\n<!-- SECTION: Silver Wheel Plan -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"The-Silver-Wheel-Plan-TM-antique-and-collectible-car-program\"><\/span>The Silver Wheel Plan TM antique and collectible car program<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Since February 1, 2016, in Quebec, Aviva Canada covers <strong>classic or modified cars<\/strong> in Quebec through The Silver Wheel Plan TM. Classic or modified car enthusiasts pay great attention to how they protect their treasures.<\/p>\n\n  <h3>Benefits of The Silver Wheel Plan TM insurance<\/h3>\n  <ul>\n    <li><strong>No appraisal required<\/strong>: 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.<\/li>\n    <li><strong>Guaranteed value protection<\/strong>: the total insured value of the car is guaranteed in case of total loss. Year-round protection across Canada and the United States.<\/li>\n    <li><strong>Automatic coverage<\/strong>: new acquisitions and replacement antique cars are automatically covered up to $25,000. Deductible options starting at $100.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- SECTION: Standard insurance vs collectible insurance -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Standard-insurance-vs-collectible-insurance\"><\/span>Standard insurance vs collectible insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <table class=\"a360-ant-table\">\n    <thead>\n      <tr><th>Standard insurance<\/th><th>Collectible insurance<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td>Depreciated value each year<\/td><td>Agreed value (guaranteed amount)<\/td><\/tr>\n      <tr><td>Daily use allowed<\/td><td>Limited use (pleasure\/events)<\/td><\/tr>\n      <tr><td>Higher premium<\/td><td>Often 40-54% cheaper<\/td><\/tr>\n      <tr><td>High deductibles<\/td><td>Deductibles starting at $100<\/td><\/tr>\n      <tr><td>Not very flexible<\/td><td>Tailored for enthusiasts<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<!-- SECTION: Which classic cars -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Which-classic-cars-can-be-covered\"><\/span>Which classic cars can be covered?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>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 &#8220;modern classics&#8221; or &#8220;future classics&#8221;), as well as many types of specialized vehicles. The quality\n&#8220;&#8220;&#8220;html\n<p>The premium depends on usage, storage, and driving record. For more information, consult our insurance brokers now.<\/p>\n\n<h3>Why inspections and evaluations of antique vehicles?<\/h3>\n<p><a href=\"\/blog\/pourquoi-une-evaluation-profesionnel-dun-auto-antique-ou-voiture-de-collection\/\">Inspections and evaluations of antique cars<\/a> 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.<\/p>\n\n<h3>Classic cars, an investment<\/h3>\n<p>The impacts of financial investments on the <strong>classic car market<\/strong> 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 Citro\u00ebn, and Lamborghini Diablo. The <a href=\"https:\/\/www.ibc.ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Bureau of Canada (IBC)<\/a> also emphasizes the importance of properly documenting the value of these vehicles to ensure adequate coverage.<\/p>\n\n<h3>Are premiums lower?<\/h3>\n<p>We understand that your <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car<\/a> 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.<\/p>\n<\/div>\n\n<!-- SECTION: How to properly protect -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-to-properly-protect-your-classic-vehicle\"><\/span>How to properly protect your classic vehicle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>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:<\/p>\n  <ul>\n    <li><strong>Proper winter storage<\/strong>: in Quebec, harsh winters can cause significant damage. A heated garage with humidity control is ideal. Use a breathable cover and a fuel stabilizer.<\/li>\n    <li><strong>Complete documentation<\/strong>: keep all restoration invoices, before\/after photos, certificates of authenticity, and professional evaluations. These documents are essential to establish the <strong>agreed value<\/strong>.<\/li>\n    <li><strong>Regular preventive maintenance<\/strong>: even if the vehicle is driven little, fluids, belts, and seals should be checked annually by a specialized mechanic.<\/li>\n    <li><strong>Theft system<\/strong>: a certified anti-theft device can reduce your insurance premium and protect a vehicle that is often irreplaceable.<\/li>\n    <li><strong>Updating the value<\/strong>: the value of classic cars fluctuates. Reassess your vehicle every 2-3 years to adjust the coverage to its actual market value.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- SECTION: Quote -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Quote-for-your-classic-vehicle\"><\/span>Quote for your classic vehicle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Getting a <strong>classic vehicle insurance quote<\/strong> 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 <strong>antique car insurance<\/strong> carefully evaluate your vehicle to offer you coverage tailored to its <strong>agreed value<\/strong>.<\/p>\n  <p>Unlike standard insurances that depreciate your vehicle each year, classic insurance guarantees the agreed amount in case of total loss \u2014 essential protection for an investment that appreciates over time. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\">Fill out our online quote form<\/a> in just a few minutes and receive a personalized offer from a certified broker, with no obligation. It&#8217;s quick, free, and confidential.<\/p>\n<\/div>\n\n<!-- SECTION: Cities Quebec -->\n<div class=\"a360-ant-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Antique-vehicle-insurance-across-Quebec\"><\/span>Antique vehicle insurance across Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Our partner brokers offer antique and classic vehicle insurance in all regions of Quebec. Whether you are in <strong>Montreal<\/strong>, <strong>Quebec<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Drummondville<\/strong>, or <strong>Thetford Mines<\/strong>, we can help you find the best coverage for your classic vehicle.<\/p>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"a360-ant-faq\">\n  <h2 id=\"faq-assurance-vehicule-antique\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-antique-vehicle-insurance\"><\/span>Frequently asked questions about antique vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>What is an &#8220;antique car&#8221; for insurance?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      According to the insurer, it is a vehicle that is <strong>25 to 30 years old or more<\/strong>, in <strong>original condition<\/strong> (or properly restored), used for <strong>pleasure or events<\/strong> and with a <strong>limited mileage<\/strong>. The registration rules for &#8220;classic\/antique vehicle&#8221; at the SAAQ are distinct from the insurance criteria. Check both before subscribing.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>Are modifications accepted?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      <strong>Period restorations<\/strong> are generally well-regarded by insurers. <strong>Performance modifications<\/strong> (engine swaps, racing suspension) may require a different product or result in surcharges or exclusions. Any modification must be <strong>declared<\/strong> to your broker.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>What is the agreed value?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      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.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>Is a vehicle evaluation required?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      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.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>What is the difference between standard insurance and classic insurance?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      Standard insurance uses the <strong>depreciated value<\/strong> (which decreases each year), while classic insurance uses the <strong>agreed value<\/strong> (guaranteed amount). Classic insurance is often 40% to 54% cheaper but imposes usage restrictions.\n    <\/div>\n  <\/details>\n<\/div>\n&#8220;&#8220;&#8220;html\n(plaisir seulement, kilometrage limite). You must also own a separately insured daily vehicle.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>How much does insurance for an antique vehicle cost in Quebec?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      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 <strong>up to 54% cheaper<\/strong>. Deductibles can start from $100. Request a free quote to get an exact price.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>Does my vehicle need to be stored in a garage?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      Yes, most insurers require <strong>secure storage<\/strong>: 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.\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>Can I use my antique vehicle for my daily commutes?<\/summary>\n    <div class=\"a360-ant-faq-body\">\n      No. Antique vehicle insurance is designed for <strong>limited use<\/strong>: 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.\n    <\/div>\n  <\/details>\n<\/div>\n\n<!-- CTA FINAL -->\n<div class=\"a360-ant-cta-final\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/04\/courtier-assurance-vehicule-antique-de-collection-du-quebec-en-ligne.png\" alt=\"Orso, Assur360 insurance broker specializing in antique and collectible vehicle insurance in Quebec\" loading=\"lazy\"\/>\n  <h2><span class=\"ez-toc-section\" id=\"Protect-your-collectible-vehicle-today\"><\/span>Protect your collectible vehicle today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Our specialized brokers compare offers from multiple insurers to find you the best protection at the best price. Free quote, no obligation.<\/p>\n  <div class=\"a360-ant-btns\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" class=\"a360-ant-btn-teal\">Get my free quote<\/a>\n    <a href=\"tel:18663574451\" class=\"a360-ant-btn-outline\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<\/div>\n\n&#8220;`\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-vehicule-antique-ford-modele-t.jpg\" alt=\"Antique Ford Model T car \u2014 Assur360 antique vehicle insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Antique-vehicle-insurance-approved-value\"><\/span>Antique vehicle insurance: approved value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">In Quebec, a vehicle that is <strong>25 years old or older<\/strong> is considered antique by the SAAQ. The insurance works at an <strong>agreed value<\/strong> : a fixed amount (determined with photos and appraisal) that will be paid in the event of a total loss, without depreciation. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> use is generally <strong>limited (3,000 to 6,000 km\/year),<\/strong> excluding daily trips, and parking in a closed garage required by most specialized insurers (Hagerty, Lant, etc.).<\/p>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-vehicule-antique\/\",\n  \"@id\": \"https:\/\/www.assur360.ca\/assurance-vehicule-antique\/#faq\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is an \\\"antique car\\\" for insurance purposes?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are modifications accepted?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is agreed value?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is a vehicle appraisal required?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between standard insurance and collector insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much does insurance for an antique vehicle cost in Quebec?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The cost varies depending on the value of the vehicle, its year, your driving record, and the intended use. Premiums are often up to 54% cheaper than standard insurance. Deductibles can start from $100.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does my vehicle need to be stored in a garage?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, most insurers require secure storage: closed garage, heated shelter, or specialized facility. Permanent outdoor parking is generally not accepted.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I use my antique vehicle for daily commuting?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"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.\"\n      }\n    }\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Auto insurance\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Antique vehicle\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-vehicule-antique\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;`html Vehicles 25 years+ Antique vehicle and classic insurance in Quebec Protect your collection at the best price. Our certified AMF insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":40234,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Antique and Collector's Vehicle Insurance in Quebec | Assur360","_seopress_titles_desc":"Compare insurance quotes for antique, classic and collector's vehicles in Quebec. Agreed value, premiums reduced by up to 54%.... ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Antique and Collector's Vehicle Insurance in Quebec | Assur360","_seopress_social_fb_desc":"Compare antique and collector vehicle insurance quotes. Agreed value, premiums reduced by up to 54%. 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