Classic Car Insurance for Kitchener and All of the Waterloo Region

Classic Car Enthusiasts, We Have You Covered!

We have been helping classic car owners in the Kitchener and Waterloo Region for over 100 years protecting their investment. Vintage or classic cars require specific and unique coverage. Like any other automobile, essential insurance coverage is mandatory by law for all drivers in Ontario. However standard limits quite simply will not be enough should something happen.

What Are Your Options?

When insuring your classic car there are a few things to consider:

  • Direct Compensation for Property Damage (DCPD) - This unique coverage is designed to pay out based on percentage of fault of the driver. For example, if you are deemed to be 70 percent at fault DCPD will cover 30 percent, the balance is covered by collision coverage.
  • 3rd Party Liability - If you are deemed at fault in a traffic accident with injuries, this coverage pays for those individuals in the other vehicle(s). In the province of Ontario, you are legally required to carry a minimum of $200,000.00 liability coverage on your classic car.
  • Accident Benefits - Regardless of who is deemed at fault, this optional coverage pays for medical expenses associated with bodily injuries which includes physical therapy and death benefits. With the rising cost of funeral expenses, we highly recommend purchasing enhanced Accident Benefits.
  • Uninsured Motorists Insurance - Damage to your car from a hit and run incident or drivers without insurance would be covered when this additional coverage is added to your policy.
  • Standard Policies Offer Minimal Coverage - If your vehicle is 30 or 40 years old you may want to increase some of your limits.

It's Not Worth The Risk!

Purchasing Classic Car Insurance for antique vehicles based on the convenience of online quoting sites or the lowest price could leave you in a very expensive scenario in the long run. It could cost you thousands of dollars in repairs or worse you could lose your investment all together. Let us do the leg work by finding you the best coverage, at the lowest price without compromising your protection! At Advocate Insurance Group, we have been insuring our drivers for more than a century. I guess you could say WE are an antique, just like your car!

When you trust us with your insurance needs you also receive our complimentary concierge claims service, and you will enjoy a live answer (that's right real people, not machines) when you phone in.

Contact us today for a free Classic Car Insurance quote. Advocate Insurance Group, bringing integrity to Insurance!