Antique & Classic Vehicle Insurance | Harvard Western Insurance

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Want to learn about antique & classic vehicle insurance? Connect with one of our experts today to start a quote or ask questions.

Looking for some quick info? Click on one of the below topics to unpack your auto insurance!

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Agreed/Stated Value

Agreed Value or Guaranteed Value is the value that your vehicle will be insured for based on the proven value of your vehicle, as determined by both you and the insurance company. Appraisals, photos, or other relevant documentation will determine the vehicle’s value. You will provide these to the insurance company so they can get a big-picture look at your classic. With Agreed Value coverage on your policy, the insurance company will guarantee that they will pay this agreed-upon value in the event of a covered total loss.

Don’t want to get an appraisal? Consider Hagerty Insurance as a possible insurer. Their Guaranteed Value is determined by your vehicle details using their industry-leading tools to determine the value of your classic.

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Hagerty Driver's Club

When you purchase a policy, you can join the Hagerty Driver’s club for $55/year (before tax). Their exclusive membership includes:

Roadside assistance

Designed with quality care for classics in mind, Hagerty roadside services include guaranteed flatbed towing, real–time truck tracking, and an unlimited number of service calls annually.

Hagerty magazine

Subscribe to our Folio award–winning magazine and receive stunning automotive editorial content delivered to your mailbox six times a year.

Automotive discounts

Membership includes access to exclusive discounts from your favourite automotive suppliers. Save money on car parts, services and more.

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In Storage Coverage

Your classic or antique probably isn’t a daily driver. When your vehicle is tucked away in storage, it’s important to remember that it could still be at risk of a claim. Theft, vandalism, and other threats still exist, and your home insurance will not extend to protect your vehicle.

A package policy will, though. Besides Hagerty, we offer Classic & Antique Vehicle coverage with SGI Canada & Sandbox Mutual Insurance (SMI). With SMI’s comprehensive coverage, they will waive your deductible if the vehicle is damaged by:

Fire
Theft of the entire vehicle

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Collision Coverage

This coverage is exactly what it sounds like, and you have this coverage whether you own a policy or have plates. This coverage will respond if your vehicle collides with another, a post, or a snowbank. If you’re responsible for a collision when you only have plate insurance on your vehicle, you have to pay a $700 deductible! With a package policy, you can lower your deductible to an amount that’s a little more budget-friendly. How does a $100 deductible sound instead?!

Comprehensive Coverage

This coverage is for basically everything that isn’t a collision. These types of losses covered by this insurance include fire, theft, wind, hail and vandalism. Package policies let you have comprehensive deductibles as low as $50. I mean, when was the last time we had a wind or hail storm in Saskatchewan…

Loan Protection

Did you finance your vehicle? If you did, you might have also signed up for a form of Life Insurance! Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. Find out about the difference in coverage when you have a policy designed to protect your assets and your family.

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