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Personal Insurance > Car Insurance > Collector Car Insurance

Special cars deserve special coverage

RBC Insurance and Hagerty have partnered to offer you exceptional and flexible insurance at a great price.

Collector car insurance

Coverage highlights1

This specialty policy offers you a wide range of features and benefits for your

  • Guaranteed Value™ coverage: Hagerty works with you to agree on a fair value for your collector car. If there’s a covered total loss, you will receive the agreed upon value less any deductible. Guaranteed.
  • Valuation expertise: The industry-leading online Hagerty Valuation Tool® helps to determine a collector vehicle’s market value.
  • No Required Appraisal: An appraisal is not required for values that reflect verifiable market values.
  • Flexible usage: Great cars were meant to be enjoyed, but some companies strictly limit how much you can use your collector car. This coverage allows for plenty of hobby and pleasure driving with no fixed kilometer limits2.
  • Competitive Premiums: Hagerty offers tailored Guaranteed Value™ coverage for your collector car at a significantly lower rate compared to standardized auto coverage.
  • Collection coverages: If you collect cars as a hobby, Hagerty offers best-in-class coverage so you can focus on enjoying your collections.
  • Vehicle under construction: Guaranteed Value™ coverage also protects your investment in your car during a restoration or build, which can be quite expensive.
  • Repair shop of choice: In the event of a claim, you have the freedom to take your vehicle(s) to a repair shop you trust.
  • HAGERTY PLUS®ROADSIDE SERVICE (optional): This 24/7 program is designed for collectible vehicles and includes guaranteed flatbed towing with soft straps, service for lockouts, battery jumps, tire changes and more—all done by people who know and understand collectibles.
  • Cherished salvage (optional): If you have a claim and your car is not repairable you may still want to keep it. With cherished salvage; you will still receive the full Guaranteed Value™, less any deductible3.

Additional coverage options for unique vehicle collections

  • Market Appreciation Coverage: If the market increases above the value of your collector vehicle and a covered total loss happens, you receive up to 125% of the insured value.
  • Automatic New Purchase Coverage: When adding to a collection, your newly acquired collector vehicle will be automatically covered for 30 days. This coverage will equal your highest-valued vehicle insured through Hagerty (or purchase price, if less) up to $750,000.

The biggest ways to save

Multi-car discount

More collector cars means bigger savings.

illustration of two cars parked beside each other

Protect your collector car

Get an online quote or talk to one of Hagerty’s licensed insurance advisors today

Need help now? Call  1-877-703-2819

Classic vintage car covered by collector car insurance