{"id":15919,"date":"2023-02-18T13:37:50","date_gmt":"2023-02-18T18:37:50","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/why-a-professional-evaluation-of-an-antique-car\/"},"modified":"2026-04-21T14:42:34","modified_gmt":"2026-04-21T18:42:34","slug":"why-a-professional-evaluation-of-an-antique-car","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/security-2\/why-a-professional-evaluation-of-an-antique-car\/","title":{"rendered":"Why a professional appraisal of an antique or collector&#8217;s vehicle?"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"priceRange\":\"$$\",\"description\":\"Courtier d'assurance certifi\u00e9 AMF au Qu\u00e9bec \u2014 expert en assurance v\u00e9hicule antique et de collection.\"}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.7;color:#334155;\">Do you own a 1967 Mustang, a Corvette Stingray, an MG or a Model A restored with passion? To adequately protect your antique or collector&#8217;s vehicle, a <strong>professional appraisal<\/strong> is not a luxury: it is the key that determines the value agreed on your insurance policy. At <strong>Assur360<\/strong>, a brokerage firm certified by the <a href=\"https:\/\/lautorite.qc.ca\" rel=\"noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers (AMF),<\/a> we have been supporting Quebec collectors in the evaluation and insurance process of their exceptional vehicles for more than 30 years. Here&#8217;s everything you need to know in 2026 to have your antique car appraised like a pro.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">VALUATION AND ASSURANCE<\/p>\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Your-antique-vehicle-deserves-the-right-agreed-value\"><\/span>Your antique vehicle deserves the right agreed value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare prices from 30+ insurers specializing in antique and classic vehicles in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$150 &#8211; $450<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">QC Evaluation Cost<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average Time Report<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">+54 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Avg savings. Police<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-a-professional-antique-vehicle-appraisal\"><\/span>What is a professional antique vehicle appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>A <strong>professional appraisal<\/strong> of an antique vehicle is a written report, produced by a qualified expert, that determines the <strong>fair market value<\/strong> (FMV) or the agreed <strong>value<\/strong> of a vehicle that is more than 25 years old, classic or collectible. This document serves as an official reference for your insurer, notary, court or potential buyer. <\/p>\n\n<p>Unlike a simple online estimate or a value from guides like Kelley Blue Book (inapplicable to the Quebec market for antique vehicles), a professional appraisal report analyzes three key dimensions in depth.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Bodywork and painting<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Inspection of panels, alignments, corrosion, quality of paint (original, redone, restored competition), chrome, moldings and original accessories.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2699\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Mechanics and chassis<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Engine status (matching numbers), transmission, steering, brakes, suspension, electrical, certified mileage, and general functionality.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcdc<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Originality and history<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Authenticity (VIN, firewall plate, data tag), provenance, previous owners, documentation, trophies, contest entries, rarity.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-have-your-antique-vehicle-appraised\"><\/span>Why have your antique vehicle appraised<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Having your classic car appraised meets several concrete needs. Here are the six main reasons why Quebec collectors call on a professional appraiser. <\/p>\n\n<h3 class=\"wp-block-heading\">1. Obtain an agreed value on the insurance policy<\/h3>\n\n<p>That&#8217;s the number one reason. <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-4\/\">Antique car insurance<\/a> policies offer coverage with <strong>an agreed value<\/strong> (and not the value on the day of the loss), which means that in the event of a total loss, the insurer pays the exact amount stated on the contract. Without a recent valuation report, the insurer will often refuse the agreed value or impose a ceiling value that is too low.  <\/p>\n\n<h3 class=\"wp-block-heading\">2. Documented proof in the event of a total loss<\/h3>\n\n<p>A fire, theft or collision destroying your vehicle turns an appraisal report into a lifesaver. Without this document, you&#8217;ll have to negotiate with the insurer&#8217;s adjuster \u2014 and potentially lose thousands of dollars on the true value of your property. <\/p>\n\n<h3 class=\"wp-block-heading\">3. Justify a restoration to the insurer<\/h3>\n\n<p>Have you just invested $35,000 in the restoration of your 1969 Camaro SS? The post-restoration valuation documents this added value so that your premium and agreed value can be adjusted accordingly. <\/p>\n\n<h3 class=\"wp-block-heading\">4. Inheritance, gifts and separations<\/h3>\n\n<p>A notary needs an objective value to calculate the estate assets, draw up a deed of gift or divide the property in the event of a separation. A tax assessment by a professional is recognized by Revenu Qu\u00e9bec and the Canada Revenue Agency. <\/p>\n\n<h3 class=\"wp-block-heading\">5. Sale or resale at the right price<\/h3>\n\n<p>A serious buyer rarely accepts a price posted without independent documentation. The appraisal allows you to justify your selling price and serves as a bargaining chip against a buyer who is trying to lower the value. <\/p>\n\n<h3 class=\"wp-block-heading\">6. Concours d&#8217;elegance, rallies and exhibitions<\/h3>\n\n<p>Major competitions (Radnor Hunt, Pebble Beach, Concours de Saint-Jean, Autofest de Montr\u00e9al) often require an evaluation report for the registration, classification and insurance coverage of the event.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chartered-Appraiser-Professional-Appraiser-or-Amateur-Appraiser-The-Differences\"><\/span>Chartered Appraiser, Professional Appraiser or Amateur Appraiser: The Differences<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Not all reviewers are created equal. The credibility of your report with an insurer, notary or court depends directly on the training and affiliation of the expert. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Type of appraiser<\/th><th style=\"padding:14px 16px;text-align:left;\">Training<\/th><th style=\"padding:14px 16px;text-align:left;\">Recognized insurer<\/th><th style=\"padding:14px 16px;text-align:left;\">Typical cost<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Amateur\/Club<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Passionate, Uncertified<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Rarely<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Free &#8211; $100<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Independent Professional<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Experience, Continuing Education<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Often<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$150 &#8211; $300<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Chartered Appraiser (AACA, ASRQ, AAE)Certification<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">, Code of Ethics<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Always<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$250 &#8211; $450<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Automobile claims adjuster<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Insurer&#8217;s mandate<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, for your insurer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Paid by insurer<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p>Our advice: for approved value insurance or a document intended for a notary\/court, always choose a <strong>chartered appraiser<\/strong> recognized by a professional association such as the <strong>AAE (Association des \u00e9valuateurs d&#8217;Am\u00e9rique),<\/strong> the <strong>ASRQ (Automobiles sport r\u00e9tro Qu\u00e9bec)<\/strong> or the <strong>AACA (Antique Automobile Club of America).<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-methods-of-professional-evaluation\"><\/span>The 5 methods of professional evaluation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Depending on the vehicle and the purpose of the report, the appraiser uses one or more of five recognized methods.<\/p>\n\n<h3 class=\"wp-block-heading\">Comparative method (published contracts)<\/h3>\n\n<p>The appraiser compiles recent sales of the same or similar models (Hagerty Price Guide, Hemmings, Barrett-Jackson, Mecum, Quebec market) to establish a range. This is the most widely used method for popular classics (Mustang, Camaro, Chevelle, MG, Corvette, Porsche 911). <\/p>\n\n<h3 class=\"wp-block-heading\">Cost method (reconstruction)<\/h3>\n\n<p>The appraiser calculates how much it would cost today to reproduce the vehicle identically (original parts + specialized labour + bodywork + paint). Applied to advanced restorations and rare models where comparables are limited. <\/p>\n\n<h3 class=\"wp-block-heading\">Inventory Method (Components)<\/h3>\n\n<p>Used for ongoing or partially restored projects, this method adds up the value of each component (engine, chassis, panels, interior, documentation). Useful for insuring a vehicle under restoration. <\/p>\n\n<h3 class=\"wp-block-heading\">Historical method (provenance)<\/h3>\n\n<p>Rarity and Documented History Bonus: If the vehicle was owned by a celebrity, won a race, featured in a movie, or if its serial number indicates a prototype or low-production model. Essential for supercars, numbered muscle cars and Italian\/British classics. <\/p>\n\n<h3 class=\"wp-block-heading\">Contest method (statement 1 to 6)<\/h3>\n\n<p>Standardised classification by the associations of appraisers to qualify the condition: 1 (competition \/ museum) \u2014 2 (excellent) \u2014 3 (good) \u2014 4 (honest, usable) \u2014 5 (restorable) \u2014 6 (shares only). The difference in value between state 1 and state 3 can exceed 300% for the same model. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-a-professional-assessment-is-carried-out\"><\/span>How a professional assessment is carried out<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Appointment booking and preliminary pick-up<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You transmit the make, year, model, VIN, high-resolution photos and history documents. The appraiser checks the availability of comparables and offers you a package. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">On-site physical inspection<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Between 1 hour 30 minutes and 3 hours of inspection: exterior, interior, engine compartment, underbody, trunk, vehicle history. Panel measurements, VIN reading, documentary photos (60 to 120 shots). <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Market research and comparables<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Compilation of 3 to 8 comparable sales over the previous 12 to 24 months: specialized auctions, private platforms, Quebec and North American sales.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Drafting the report<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">15 to 40 page document: identification, condition (level 1-6), condition of components, history, comparables, values (low\/medium\/high), photos and signature of the evaluator.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Delivery to the customer and the insurer<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Submission of the report in signed PDF format (and paper on request) within 48 hours to 7 days. Direct transmission to the broker or insurer to adjust your policy. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Periodic update<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The evaluation should be reviewed every 2 to 3 years or after a major restoration. The markets for classics are changing rapidly. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Assur360 advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Before hiring an appraiser, <strong style=\"color:#fff;\">get an insurance quote<\/strong> to find out the insurer&#8217;s requirements (agreed value, mandatory photos, maximum annual mileage). Our AMF brokers help you choose the right policy \u2014 <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" style=\"color:#10c4c7;\">get your quote<\/a> before you pay $400 in appraisals for nothing. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-an-antique-vehicle-appraisal-cost-in-Quebec-in-2026\"><\/span>How much does an antique vehicle appraisal cost in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The cost varies depending on the complexity of the vehicle, the rarity, the scope of the research and the evaluator&#8217;s travel. Here are the rates observed in Quebec in 2026. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Vehicle Type<\/th><th style=\"padding:14px 16px;text-align:left;\">Price Range<\/th><th style=\"padding:14px 16px;text-align:left;\">Duration Report<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Road-going Classic (Mustang, Corvette, MG, Camaro)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$150 &#8211; $25048<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; 72 hrs<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Show car \/ contest condition 1-2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$300 &#8211; 450 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 &#8211; 10 days<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Vehicle under restoration (inventory method)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$200 &#8211; $3503<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; 7 days<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Rally \/ race \/ prototype \/ supercar<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$400 &#8211; $9007<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; 14 days<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Antique Pre-1940 (Ford Model T\/A, Packard, Hudson)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$250 &#8211; $4005<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; 10 days<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Update (same reviewer, 2 years)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$75 &#8211; $15024<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; 48 hrs<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p>Plan for additional costs for travel ($0.60\/km beyond 50 km), out-of-region travel or inspection of vehicles stored in a specialized garage.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents-to-be-provided-to-the-assessor\"><\/span>Documents to be provided to the assessor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>To make the job easier and maximize the accuracy of the report, prepare these documents before your appointment.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>SAAQ registration certificate<\/strong> (double-sided, up-to-date)<\/li>\n<li><strong>Title deed<\/strong> or purchase agreement (to confirm the chain of ownership)<\/li>\n<li><strong>Service history<\/strong> : mechanic&#8217;s invoices, parts, bodywork, paint, upholstery<\/li>\n<li><strong>Restoration invoices<\/strong> : totals and major parts (rebuilt engine, transmission, complete paint)<\/li>\n<li><strong>Authenticity documents<\/strong> : original production sheet, firewall plate, data tag, engine number, build sheet<\/li>\n<li><strong>Trophies and prizes<\/strong> : competition diplomas, award ceremony photos, AACA national, rallies<\/li>\n<li><strong>Old insurance policies<\/strong> and appraisals (if available)<\/li>\n<li><strong>Quality photos<\/strong> : 4-angle exterior, interior, engine bay, underbody, key details<\/li>\n<li><strong>Press articles, specialized magazines<\/strong> mentioning the vehicle<\/li>\n<li><strong>Certified mileage<\/strong> (mechanic record, SAAQ, old contracts)<\/li>\n<\/ul>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">The 5 mistakes to avoid<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\"><strong>1.<\/strong> Use Kelley Blue Book or Canadian Black Book (not applicable to antique vehicles\/collector cars) \u2014 these guides cover common used vehicles.<br \/><strong>2.<\/strong> Rely on a passionate friend appraisal without certification (refused by most insurers).<br \/><strong>3.<\/strong> Present a valuation of more than 5 years: the markets have moved from +30% to +80% depending on the model.<br \/><strong>4.<\/strong> Neglecting photo documentation and restoration invoices (loss of 15% to 25% of the agreed value).<br \/><strong>5.<\/strong> Do not notify your insurer after major restoration: risk of cancellation of the policy or undercompensation in the event of a claim.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">APPRAISAL REPORT + CUSTOM POLICY<\/p>\n  <h3 style=\"color:#fff;font-size:26px;margin:0 0 16px;\">Protect your classic vehicle with the right agreed value<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF brokers direct you to a recognized appraiser and get you the best prices.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">My free quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recognized-associations-and-organizations-in-Quebec-and-Canada\"><\/span>Recognized associations and organizations in Quebec and Canada<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>To validate your reviewer&#8217;s credibility, verify their affiliation with one of the following associations. Many also offer public directories of their members. <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>ASRQ \u2014 Automobiles sport r\u00e9tro Qu\u00e9bec<\/strong> : Quebec&#8217;s largest association of post-war sports car enthusiasts, appraisal members recognized by insurers.<\/li>\n<li><strong>AACA \u2014 Antique Automobile Club of America<\/strong> : international reference, judging by classes, active Quebec section.<\/li>\n<li><strong>AAE \u2014 Appraisal Association of America<\/strong> : certifies appraisers according to a strict code of ethics, members authorized to sign tax reports.<\/li>\n<li><strong>CCCA \u2014 Classic Car Club of America<\/strong> : reference for the &#8220;Full Classics&#8221; (1915-1948 recognized by the club).<\/li>\n<li><strong>VMCC-Qu\u00e9bec<\/strong> : Vintage Motor Cycle Club, for antique and classic motorcycles.<\/li>\n<li><strong>Brand clubs<\/strong> : Shelby Quebec, Corvette Club Quebec, Mustang Club Quebec, Porsche Club, Ferrari Club \u2014 many members are recognized evaluators.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recommended-frequency-of-assessments\"><\/span>Recommended frequency of assessments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>An evaluation is not permanent. The values of classic vehicles are changing with market trends, generational fashions (muscle cars from the 70s on the rise), restorations and inflation. This is the frequency recommended by the majority of specialist insurers.  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Every 2 to 3 years<\/strong> : Standard update to keep the agreed value realistic.<\/li>\n<li><strong>After major restoration<\/strong> : mechanics, bodywork, complete painting, engine redone.<\/li>\n<li><strong>After major modifications<\/strong> : restomod, engine conversion, high-end audio system, wheels and tyres added value.<\/li>\n<li><strong>After competition prizes<\/strong> : AACA senior, National First Prize, Major Peoples&#8217; Choice.<\/li>\n<li><strong>If market value explodes<\/strong> : some air-cooled Porsche 911s have doubled in 3 years \u2014 re-evaluate.<\/li>\n<li><strong>Before sale or inheritance<\/strong> : fresh valuation (less than 12 months) to maximize the transaction.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valuation-and-Agreed-Value-Direct-Impact-on-Premium\"><\/span>Valuation and Agreed Value: Direct Impact on Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Many owners are reluctant to declare the true value of their vehicle for fear of seeing the premium explode. It&#8217;s a misconception: antique car insurance policies use totally different factors than a standard car policy, because the use is limited and the risk is much lower. <\/p>\n\n<p>For a $45,000 insured vehicle with an agreed value, with a maximum mileage (3,000 to 7,500 km\/year), winter storage and leisure\/exhibition use, the annual premiums observed in 2026 in Quebec vary from <strong>$350 to $900<\/strong> \u2014 often less than your daily insurance. Declaring the right value costs you very little, but protects you completely. <\/p>\n\n<p>For a complete overview of the coverage available, see our <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-4\/\">antique vehicle insurance<\/a> page dedicated to collectors. For a more detailed guide on the complete insurance process, visit <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-quote\/\">our Classic Car Insurance Guide<\/a>. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recognized-appraisers-in-Quebecs-main-cities\"><\/span>Recognized appraisers in Quebec&#8217;s main cities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Professional antique vehicle appraisers are concentrated in urban centres, but most travel anywhere in Quebec for reasonable mileage costs. Here are the regions where our Assur360 brokers regularly collaborate with chartered appraisers. <\/p>\n\n<p>In <strong>Montreal<\/strong> and on the South Shore, there is the highest density of ASRQ and AAE evaluators, especially for muscle cars, European sports and supercars. In <strong>Quebec City<\/strong> and <strong>L\u00e9vis<\/strong>, there are many pre-1950 specialists (Ford Model A, Packard, Chevrolet Master Deluxe). In <strong>Laval<\/strong> and <strong>Longueuil<\/strong>, there are excellent generalist evaluators. In <strong>Sherbrooke<\/strong> and the Eastern Townships, several European restoration specialists (MG, Triumph, Jaguar) are active. <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Drummondville<\/strong>, <strong>Saguenay<\/strong> and <strong>Gatineau<\/strong> have independent appraisers or appraisers affiliated with reputable restoration workshops. In <strong>Thetford Mines<\/strong>, our firm works with several regional experts covering the Beauce, Amiante and Chaudi\u00e8re-Appalaches regions.    <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Pages\"><\/span>Related Articles and Pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-4\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Antique vehicle insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Our complete product page: protections, prices, agreed value, limited mileage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/antique-vehicle-insurance-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Classic car insurance guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How to insure your classic car in Quebec: practical guide and advice.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Standard Car Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For your daily life: compare 30+ insurers and save.<\/p>\n  <\/a>\n  <a href=\"\/assurance-vr\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">RV  Motorized Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specialized coverage for classic motorhomes and vintage RVs.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-antique-vehicle-appraisal\"><\/span>Frequently asked questions about antique vehicle appraisal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does an antique car appraisal cost in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Quebec in 2026, a professional evaluation costs between <strong>$150 and $450<\/strong> depending on the complexity. A classic road car (Mustang, Camaro, MG, Corvette) is $150-$250. A show car show show requires $300-$450. A rare supercar or prototype can fetch $900. An upgrade with the same reviewer 2 years later costs $75-$150.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does an assessment take and when will I receive the report?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The physical inspection lasts from 1 hour 30 minutes to 3 hours. The written report is usually delivered in 48 to 72 hours for a road classic, up to 7 to 14 days for a supercar or rare vehicle requiring extensive research. Many appraisers offer 24-hour express service at an additional cost.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between an evaluation and a mechanical inspection?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A <strong>mechanical inspection<\/strong> verifies the technical condition of a vehicle (brakes, suspension, engine) with a view to purchasing or repairing. A <strong>professional appraisal<\/strong> determines a monetary value (fair market value or agreed value) based on condition, originality, market comparables and documentation. They are two separate services \u2014 but the evaluator often does a cursory inspection during his or her mandate.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the evaluation mandatory to insure my antique vehicle?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, the appraisal is not mandatory by law, but it is de facto as soon as the value of the vehicle exceeds $25,000-$30,000 or when you apply for <strong>coverage with an agreed value<\/strong>. Without a recent valuation, the insurer will often deny the agreed value and apply the &#8220;actual cash value&#8221; \u2014 which can cost you thousands of dollars in the event of a total loss. Get a <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\">quote<\/a> first to confirm the requirements.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I dispute a rating that I think is too low?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. You can (1) discuss comparables with the appraiser and provide additional sales data, (2) request a second expert opinion from a second approved appraiser, (3) have a third expert validate in the event of a disagreement (so-called &#8220;third-party&#8221; evaluation). If the dispute is between you and the insurer, an <a href=\"https:\/\/lautorite.qc.ca\" rel=\"noopener\" target=\"_blank\">AMF<\/a> mediator may intervene. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to redo the evaluation after a restoration?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, absolutely. A major restoration (bodywork, complete paint, engine redone, interior restored) can increase the value of the vehicle by 30% to 200%. Without a new assessment, the insurer will compensate according to the old report and you will lose the entire investment in the event of a claim. Keep all invoices to prove the capital gain.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is Quebec evaluation recognized in the United States and elsewhere?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An AAE or AACA Chartered Appraiser Report is recognized throughout North America \u2014 it is a requirement for most major U.S. auctions (Barrett-Jackson, Mecum, RM Sotheby&#8217;s). For an evaluation report to export a vehicle to the U.S. or in Europe, explicitly ask for a bilingual assessment and international standards.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Evaluating a Ferrari, Lamborghini or supercar: is it the same as a classic?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Italian or German supercars (Ferrari 308, Lambo Countach, Porsche 930, Aston Martin DB) require a specialized appraiser who knows chassis numbers, reissued chassis, sought-after manual transmissions, and international auction markets. Rates exceed $500 and lead times reach 2-3 weeks. A specialized supercar AACA or AAE evaluation is highly recommended.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is a photo-only review valid?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A photo-only appraisal (without physical inspection) is <strong>rarely accepted<\/strong> by insurers to establish a high agreed value. Some companies accept it for modest amounts (less than $25,000) or for vehicles that are already well documented. For a vehicle insured for $50,000 or more, a physical inspection is almost always required.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are state levels (contest 1 to 6)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">This is the standardized classification used by the majority of North American evaluators: <strong>State 1<\/strong> (competition\/museum, superior to the original) \u2014 <strong>State 2<\/strong> (excellent, presentable in a competition) \u2014 <strong>State 3<\/strong> (good, cosmetically clean, mechanically reliable) \u2014 <strong>State 4<\/strong> (honest, usable but with defects) \u2014 <strong>State 5<\/strong> (restorable, non-functional) \u2014 <strong>State 6<\/strong> (for parts). A gap of 2 levels can triple or divide the value. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">&#8220;Evaluation&#8221; and &#8220;appraisal letter&#8221;: are they the same thing?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not exactly. An <strong>appraisal letter<\/strong> is a simplified document of 2 to 4 pages that attests to a value, often for one-off use (purchase, quick sale, bank loan). A <strong>comprehensive appraisal<\/strong> is a 15- to 40-page report with photos, comparables and detailed analysis \u2014 a document needed for an insurance chartered value, estate or court. The two cost differently.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my insurer refuse my appraiser?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, some insurers require an appraiser from their own network or affiliated with a recognized association (AAE, AACA, ASRQ). Before ordering and paying for your appraisal, ask your <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\">Assur360 broker<\/a> for the list of appraisers accepted by the chosen insurer \u2014 this will avoid paying twice. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une \u00e9valuation de voiture antique au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Qu\u00e9bec en 2026, une \u00e9valuation professionnelle co\u00fbte entre 150 $ et 450 $ selon la complexit\u00e9. Une classique routi\u00e8re se situe \u00e0 150 $-250 $. Un show car \u00e9tat concours demande 300 $-450 $. Une supercar rare peut atteindre 900 $. Une mise \u00e0 jour 2 ans plus tard co\u00fbte 75 $-150 $.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps dure une \u00e9valuation et quand vais-je recevoir le rapport ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'inspection physique dure 1 h 30 \u00e0 3 h. Le rapport est livr\u00e9 en 48 \u00e0 72 heures pour une classique routi\u00e8re, jusqu'\u00e0 7 \u00e0 14 jours pour une supercar ou un v\u00e9hicule rare. Service express 24 h disponible avec suppl\u00e9ment.\"}},{\"@type\":\"Question\",\"name\":\"Quelle diff\u00e9rence entre une \u00e9valuation et une inspection m\u00e9canique ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une inspection m\u00e9canique v\u00e9rifie la condition technique d'un v\u00e9hicule. Une \u00e9valuation professionnelle d\u00e9termine une valeur mon\u00e9taire bas\u00e9e sur l'\u00e9tat, l'originalit\u00e9, les comparables de march\u00e9 et la documentation. Ce sont deux services distincts.\"}},{\"@type\":\"Question\",\"name\":\"L'\u00e9valuation est-elle obligatoire pour assurer mon v\u00e9hicule antique ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non obligatoire par loi, mais de facto d\u00e8s que la valeur d\u00e9passe 25 000 $-30 000 $ ou qu'on demande une couverture \u00e0 valeur agr\u00e9\u00e9e. Sans \u00e9valuation, l'assureur applique la valeur au jour du sinistre \u2014 perte possible de milliers de dollars.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je contester une \u00e9valuation que je juge trop basse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Discutez des comparables avec l'\u00e9valuateur, demandez une contre-expertise aupr\u00e8s d'un second \u00e9valuateur agr\u00e9\u00e9, ou faites valider par un troisi\u00e8me expert. L'AMF peut intervenir en cas de litige avec l'assureur.\"}},{\"@type\":\"Question\",\"name\":\"Faut-il refaire l'\u00e9valuation apr\u00e8s une restauration ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui absolument. Une restauration majeure peut augmenter la valeur de 30 % \u00e0 200 %. Sans nouvelle \u00e9valuation, l'assureur indemnise selon l'ancien rapport. Conservez toutes les factures pour prouver la plus-value.\"}},{\"@type\":\"Question\",\"name\":\"L'\u00e9valuation qu\u00e9b\u00e9coise est-elle reconnue aux \u00c9tats-Unis ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un rapport d'\u00e9valuateur agr\u00e9\u00e9 AAE ou AACA est reconnu partout en Am\u00e9rique du Nord. C'est une exigence pour la plupart des encans am\u00e9ricains (Barrett-Jackson, Mecum, RM Sotheby's). Pour export, demandez un rapport bilingue aux normes internationales.\"}},{\"@type\":\"Question\",\"name\":\"\u00c9valuer une Ferrari, Lamborghini ou supercar : est-ce pareil qu'une classique ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Les supercars exigent un \u00e9valuateur sp\u00e9cialis\u00e9 connaissant les num\u00e9ros de ch\u00e2ssis, les transmissions recherch\u00e9es et les march\u00e9s d'encans internationaux. Tarifs d\u00e9passant 500 $, d\u00e9lais de 2-3 semaines. \u00c9valuation sp\u00e9cialis\u00e9e AACA ou AAE fortement recommand\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Une \u00e9valuation sur photos seulement est-elle valide ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rarement accept\u00e9e pour une valeur agr\u00e9\u00e9e \u00e9lev\u00e9e. Certaines compagnies acceptent pour des montants sous 25 000 $. Pour un v\u00e9hicule \u00e0 50 000 $ ou plus, l'inspection physique est pratiquement toujours exig\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que les niveaux d'\u00e9tat (concours 1 \u00e0 6) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Classification standardis\u00e9e : \u00c9tat 1 (concours\/mus\u00e9e), \u00c9tat 2 (excellent), \u00c9tat 3 (bon), \u00c9tat 4 (honn\u00eate utilisable), \u00c9tat 5 (restaurable), \u00c9tat 6 (pour pi\u00e8ces). Un \u00e9cart de 2 niveaux peut tripler ou diviser la valeur.\"}},{\"@type\":\"Question\",\"name\":\"\u00c9valuation et appraisal letter : est-ce la m\u00eame chose ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Une appraisal letter est un document simplifi\u00e9 de 2-4 pages pour usage ponctuel. Une \u00e9valuation compl\u00e8te est un rapport de 15-40 pages avec photos, comparables et analyse \u2014 n\u00e9cessaire pour une valeur agr\u00e9\u00e9e d'assurance, succession ou tribunal.\"}},{\"@type\":\"Question\",\"name\":\"Mon assureur peut-il refuser mon \u00e9valuateur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, certains assureurs exigent un \u00e9valuateur de leur r\u00e9seau ou affili\u00e9 \u00e0 une association reconnue (AAE, AACA, ASRQ). Demandez \u00e0 votre courtier la liste des \u00e9valuateurs accept\u00e9s avant de commander l'\u00e9valuation.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360 for your antique vehicle?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> Submissions<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>30+<\/strong> partner insurers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Phone: <strong>1-866-357-4451<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">Insure your antique vehicle at its fair value<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF brokers compare 30+ specialized insurers and direct you to the best appraisers in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-antique-vehicle\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"S\u00e9curit\u00e9\",\"item\":\"https:\/\/www.assur360.ca\/blog\/securite\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"\u00c9valuation professionnelle v\u00e9hicule antique\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Do you own a 1967 Mustang, a Corvette Stingray, an MG or a Model A restored with passion? To adequately protect your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Professional Antique Vehicle Appraisal: Guide 2026 | Assur360","_seopress_titles_desc":"Why have your antique or collector's car professionally appraised in QC: costs, method, documents. Assur360 2026 expert guide. 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AMF certified broker. Free quote.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/evaluateur-vehicule-antique.jpg","_seopress_social_twitter_title":"Why a professional evaluation of an antique car?","_seopress_social_twitter_desc":"Compare antique and collector vehicle insurance quotes. AMF certified broker. 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