Antique Auto Insurance
Antique Car Coverage
Antique Cars Get Great Benefits
If you have an antique auto, The Hartford offers antique car insurance specifically geared to the needs of car owners like you.
One of the questions we field most often for this “old-car insurance” category is, “How do you define an antique auto?” An antique auto is generally 25 or more years old and is maintained primarily for use in parades, exhibitions, club activities, and other functions of public interest.
Save on Antique Car Insurance
Antique autos are eligible for many of the same discounts as "everyday" vehicles. For example, you may be eligible for discounts if you have an anti-theft device in your antique car, if you take an approved Defensive Driver Course, or if bundle your antique car insurance with homeowners insurance.
Availability of discounts and credits may vary by state or policy plan.
Antique Auto Insurance Coverage
In most states, the amount of coverage provided for an antique auto is determined using "stated amount" - an amount that you and The Hartford agree on as the maximum value for the vehicle. In the event of a loss, a claim adjuster will determine the current value of the antique auto, which cannot be more than the "stated amount" listed on the policy.
In some states, The Hartford is introducing antique auto coverage based on "agreed value." This is the amount of coverage that you and The Hartford agree on as the value for the car, based on a recent, certified appraisal. The following coverages are available for antique autos (varies by state):
- Bodily Injury Liability
- Property Damage Liability
- Physical Damage to your auto (mandatory for antique autos)
For an additional premium, you may be able to add the following optional coverages (varies by state):
- Towing and Labor
- Extended Transportation
- Full Glass
Antique Auto Insurance Features
Several of the features and benefits that give our auto insurance policyholders so much peace of mind also apply to antique car insurance from The Hartford.
24/7 Roadside Assistance
When you’re stranded, you want to call someone you can trust. Now you can call RESCUE 1-800, our emergency roadside service for The Hartford’s auto policyholders. Whether it’s to add gas to your tank, fix your flat tire or unlock a door, we will immediately send qualified service to assist you – whenever and wherever you need it.**
No Drop Promise
Once you become a policyholder, all you have to do is meet a few common-sense requirements like maintaining a valid driver’s license and you’re assured continued coverage for your car, regardless of your driving record.†
24/7 Hassle Free Claim Service
When you have a claim, it’s good to know that your insurance company has the experience and know-how to make the claims process as smooth as possible.
Not all features and benefits are available in all states. Availability of discounts and credits may vary by state or policy plan.
†Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver's license suspension or if you fail to provide us, if requested, a physician’s certification of fitness to drive. PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.
** You are not obligated to use RESCUE 1-800 to collect under your towing and labor coverage. If you have Towing & Labor coverage, there is no charge for normal emergency service. You pay only for those charges above your towing and labor limit. If you don't have Towing & Labor coverage, simply pay the service provider directly at the time service is provided. Services are provided through Cross Country Motor Club Inc., Medford, MA 02155, except in Alaska, California, Hawaii, Oregon, Wisconsin and Wyoming, where services are provided through Cross Country Motor Club of California Inc., Medford, MA 02155.