To a large number of enthusiasts and owners, classic cars are a true novelty item. These antique vehicles have their own charm and beauty, and driving them is a real pleasure. While some go in for restoring old classics, others try to acquire the car of their dreams.

Vast majorities of people insure their classic car with their family auto insurer without realizing the importance of classic car insurance. Devoted classic car collectors choose insurance based on various factors. These include free will on the subject of minimal usage restrictions and unrestricted mileage for all classes. Other key factors include security provisions in the event of a covered loss and assistance of in-house claims with regards to speedy restoration of the car.

One can select a comprehensive protection option, which covers agreed value coverage and comprehensive and collision coverage to protect one’s asset against depreciation. The application of classic car insurance is also very simple in its approach. Classic car insurance policies follow certain guidelines in order to decide whether a particular car can be classified as classic car. Cars included in the category are antique or collectibles. These should not be altered from their original factory specifications, as they are exclusive designs with a restricted production base. The exotic personal passenger motor vehicles class comprises cars that are less than 20 years old and have not been changed from original factory stipulations. These are unique designs and part of a limited production run.

Newly manufactured vehicles mimicking a preceding year's vehicle design, usually of a classic or antique model year, are also recognized as classic cars. A reliable and valuable source of good information and advice is usually found at local car clubs. One may also search for car owners who have had experience filing a claim, to learn about common terms and conditions. This helps acquiring first hand, tested and ready to use helpful recommendations.