Couple driving down the highway in a red classic car

Classic Car Insurance in NS, NB & PEI

AA Munro Insurance is excited to offer classic car owners a choice for their auto insurance. You’re proud of your investment, and the last thing you want is to have an accident. If you do, you want to be sure it’s properly covered!

Our program is available for a huge range of specialist collector vehicles – for instance, antique and classic (25+ years old), special interest (15-24 years), modified, street rod and custom cars not used for regular transportation, military vehicles and fire trucks, antique trailers and certain specialist vehicles, too.

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What is Actual Cash Value? What is Agreed Value?

Many times when a vehicle is in an accident and an insurer needs to determine the value of the vehicle, there is a formula they use to determine Actual Cash Value which includes depreciation. Depreciation deducts value for things like age, condition and mileage. AA Munro Insurance can offer you a policy for your classic car based on Agreed Value. Agreed Value is a value put on your vehicle by you, and the amount you will receive to replace it in the event of an accident.

Do I Need an Appraisal?

In most cases, we will not require an appraisal on a classic car in order to provide you with the proper insurance coverage. However, for your own protection, you should get an appraisal on your vehicle in the event of a partial or even total loss to prove what exactly you have for a vehicle and its condition.

Is My Coverage Year-Round?

Yes. Unless you cancel the policy or the company cancels your policy, the classic car policy we can offer you is a 12 month policy. In consideration for the reduced rates that you receive with our classic car policy, it is assumed that the vehicle is not your ‘daily driver’ 365 days a year. In most cases, classic cars are stored for the winter.

Who Fixes My Car in an Accident?

The last thing you want is a stranger fixing your vehicle in the event of an accident. AA Munro Insurance can provide you with an insurance policy for your classic car that will allow you to pick the body shop where your vehicle is repaired.

When and Where Can I Drive My Classic Car?

You can drive your classic car anytime you wish! AA Munro includes coverage for vehicles being driven in Canada and the United States year-round.

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