Protecting Your Toys
Specialty Vehicle Insurance is a niche, yet essential form of insurance policy tailor-made for rare and unconventional vehicles, with coverage that goes far beyond the scope of your standard auto insurance.
Whether you own a classic car meticulously preserved for over 25 years, an upscale motorhome that’s a second home on wheels, or a customized motorcycle amplified with state-of-the-art modifications, specialty vehicle insurance is designed to match the individuality of your asset.
The uniqueness of specialty vehicle insurance lies in its flexibility to encompass diverse types of vehicles, including classic cars, antique vehicles, collector vehicles, exotic autos, military vehicles, vintage trucks, tractors, and more. Unlike conventional auto insurance, these policies offer agreed value coverage- accounting for the real value of your unique vehicle, not just its depreciated standard market value.
Specialty Vehicle Insurance consists of a broad range of coverages, such as liability, comprehensive, collision, medical payments, and uninsured/underinsured motorists. Key distinctions often include roadside assistance tailored specifically to classic cars, coverage for specialized repair or replacement parts, and coverage for car shows or other related events.
An interesting fact about specialty vehicle insurance is that it typically comes with a lower premium. It is predicated on the assumption that specialty vehicles are driven less, well-cared for, and often garaged, which means less probability of frequent accidents compared to daily motorists.
In the vast landscape of automotive indulgence, owning a specialty vehicle is a pursuit of passion and it demands a distinct kind of protection. Specialty vehicle insurance provides security that offers specialized coverage that aligns with the unique value and use of your vehicle. In other words, it gives vehicle enthusiasts peace of mind to enjoy the ride, knowing they are well covered.