As an owner of an antique car or truck, you should know what your auto policy can do and not do for you versus a collectible vehicle.
To have a policy on an antique vehicle the age of that car or truck must be at least 30 years old and the coverage will be determined by the condition and what the owner plans to do with it. There are limitations for this type of coverage in how much the car or truck will be driven.
With an antique coverage policy there is do not drive clause on a regular basis or the vehicles are meant for display only. There are specific details that will specify the actual mileage limits per year. With Collective Vehicle coverage the car or truck can be driven with limitations.
Another specification that will determine the coverage of an antique vehicle is how it is going to be stored. The guidelines usually state that the vehicle must be locked up in a garaged type of area. Not to just throw a cover over it outside, but to be closed up and safe. Many Antique cars or trucks are irreplaceable and worth quite a bit of money, the insurance company providing coverage has guidelines for the purpose of also making sure the upkeep of the vehicle is up to par.
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Budget Bi-Rite Insurance, Inc 