Insuring Classic Cars

Insuring Classic Cars



I have a soft spot for classic cars. It’s probably partially a result of my father who could tinker and fix almost any vehicle.  Now we enjoy celebrating automobiles every time we see a well-maintained vintage ride rolling down the road. There’s just something about seeing one that makes me smile.

I know I’m not the only person that feels that way, as there are plenty of classic car shows all around the country. Our area offers “cruise-in” classic car events all over Western New York.  Our parades usually feature locals in there classy chassies and festivals host a variety of car show that offer prizes and recognition in many divisions.

The Southcott Agency Inc. uses several carriers to cover specialty vehicles; these include Haggerty, American Modern and J.C. Taylor. Our office relies on their expert underwriting to give our clients the best protection.

All providers require proof of a personal automobile policy in place with your “regular” vehicle insured before they will insure your classic and custom vehicles.

If you’ve ever been to one of the bigger events, you might have seen J.C. Taylor there. J.C. Taylor processes and handles the underwriting for Foremost’s  Collectible Auto program.

It is a much bigger hobby than you might expect. Mainly because of the sub-genres inside the hobby—hot-rod, pre-war antiques, muscle cars, imports—you name it. The sheer number of niches can make the hobby seem and feel even bigger.

For example, J.C. Taylor insures antique and classic auto that fall under these categories:


Antiques & Classics

Muscle cars                                    Light Trucks

Vintage Motorcycles                    Farm Tractors

Steam Automobiles                      Antique Delivery Trucks

Horseless Carriages                     Military Vehicles


Modified & Customs

Modified                                    Hot Rods

Customs                                     Exotics

Replicas                                     Rare Vehicles

Kit Cars                                      Resto-Mods


To qualify for the Antique/Classic Auto Insurance Program, vehicles must be at least 19 years old, and:

Factory original; i.e. there should be few changes from the factory original specifications.

In good or restored condition.

Be kept in a fully enclosed, locked garage.

Be used primarily as hobby vehicles: used in exhibitions, club activities, parades, or other functions of public interest.

An occasional nice day drive to keep the vehicle in running order is perfectly acceptable

We do not impose a mileage limit on our Antique/Classic Auto Insurance Policy. However, we do use a very reasonable underwriting limit.

Club affiliation is not required, however, some carriers give discounts if you have a club membership.


Applicants and operators listed/insured on the policy must:

Be at least 25 years of age.

Have a good household driving record with no more than one moving violation and one at fault accident in the past 3 years. NOTE: Serious violations beyond 3 years may be subject to Underwriting review.

Provide with their application:

  • At least one clear, current, color photo of the vehicle (preferably a front-corner view).
  • An appraisal is not required, but may be needed if the requested insurance value exceeds the general collectible market price for your particular vehicle.


Frequently Asked Questions:

(I will use J.C. Taylor’s policy language to answer these questions.  Other carriers may differ.)

Where am I covered? Where can I take my vehicle?

Taking your vehicle to a series of shows in New England? Taking a club tour through the Rockies? No problem at all. Your vehicle is covered in the continental United States, its territories and possessions, and Canada. Special arrangements can even be made to protect your vehicle on an overseas tour.

What’s an “Attendance Clause” and does J.C. Taylor have one in its policies?

An “attendance clause” requires that you remain with your collectible vehicle whenever it’s out and being used. So, whether you’re at a car show, cruise-in, town parade, or summer picnic, an attendance clause would require you to remain close to your vehicle at all times. J.C. Taylor finds this unreasonable and impractical. Consequently, we do NOT have an attendance clause in our policies, and never have.

How can I use my vehicle?

The vehicle should be used primarily for hobby events such as shows, club functions, tours, and parades. An occasional nice day drive is also acceptable. The vehicle should not be used for errands or a commute to school or work.

Lately I’ve heard a lot about the need for “Agreed Value” coverage on collectible vehicles. What does “Agreed Value” mean, and does the J.C. Taylor policy include this coverage?

Prior to issuing your policy, we will come to an agreement with you on the value of your vehicle, based on the market and condition of the vehicle in question. In the event there’s a covered total loss to your vehicle, the “Agreed Value” is the amount you would receive.

What happens if I have a loss to my collectible vehicle?

Just contact J.C. Taylor claims department at 1-800-345-8290 or Help Point Claims at 1-800-527-3907. Our customers have been consistently impressed with the overall speed, knowledge, fairness, and superior quality of our claims service. When you have a claim is when the insurance really matters, and excellence in customer service is our number one goal. We’ll work with you to make sure that your claim is settled promptly and fairly.

Can I occasionally race my collectible vehicle?

Unfortunately, no. Racing and other timed events are specifically excluded under the policy.

Does J.C. Taylor have a mileage limitation on the policy?

There is NO mileage limitation in the J.C. Taylor policy (i.e. contract). We use a limit of 2500 miles per vehicle per year for underwriting (i.e reviewing) our potential business. We believe this limit is reasonable; however, customers who exceed this limit will never be denied coverage as a result.


Now that you have excellent coverage on your collectible vehicle, here are great sites to tour in the United States.


Five coolest places to tour in the U.S.A.

New York City

You have to experience the “Big Apple” at least once. It has everything you could ever want from a big city—museums, Broadway shows, restaurants with every type of food you can imagine, specialty boutiques and high-end shops. Plus, you need to see the Statue of Liberty in person and check out those neon lights of Times Square. Make Central Park one of your main destinations. Remember to see the amazing works of art at the Met and the Guggenheim. This is a city that never sleeps with endless things to try and taste.

San Francisco

The home of the Golden Gate Bridge offers gorgeous sights across its renowned hilly landscape and so many fun things to do, like riding cable cars, checking out Alcatraz Island, strolling along Fisherman’s Wharf and driving up the famously steep and crooked Lombard Street. Just a few miles north, you can leave the hustle and bustle behind to visit the towering Redwood trees in Muir Woods. Or for some tranquility within the city, plan a picnic to Golden Gate Park and see lakes, museums, monuments and the Steinhart Aquarium. For another great view of the city, check out Strawberry Hill in the middle of the park.

Grand Canyon

If it’s natural beauty you’re looking for, you’ll definitely find it at the Grand Canyon in northern Arizona. If you weren’t seeing it with your own eyes, you’d swear it was a painting in glorious shades of red and orange. Nothing can top the magnificent views as you gaze through the canyon over the Colorado River. Visit the South Rim where you’ll find Grand Canyon Village and the Bright Angel Trail. And if you’re into roughing it in the wilderness, you’ll want to head to the North Rim for backcountry camping and some serious hiking.


Yellowstone has 2.2 million acres of paradise for you to explore—crystal blue lakes, tumbling water falls, majestic mountains, hot springs, abundant forests, open meadows and active geysers. There are so many trails, it could take weeks to travel them all. Be sure to check out everyone’s favorite spots like Old Faithful, Yellowstone Lake and Mammoth Hot springs. Then visit lesser known areas like the West Thumb Geyser Basin, the Lewis River Channel and the Dogs head Loop. You will likely be treated to sights of wildlife during your journey since over 60 types of mammals call the park their home. You could see buffalo, elk, coyotes, badgers and perhaps a few bears along the way.

Washington D.C.

Our country’s capital has earned its place on the list of exciting East Coast vacation destinations. Not only can you soak up loads of our country’s history by checking out the classic attractions like the White House, Lincoln Memorial and the Washington Monument, you can also enjoy the many hip restaurants, cafes, clubs and boutiques. Endless opportunities abound to learn about our past at museums like the Smithsonian, the U.S. Holocaust Memorial Museum, the Newseum, and the Mount Vernon Estate. It’s impossible to leave the city without feeling a deeper connection to our roots and pride in the country we call home.