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Does a car in the process of restoration need classic car insurance?

Perhaps you think that your latest vehicle purchase in Milford, CT doesn’t need insurance yet because you bought a classic car that needs a little work to make it road ready. However, it is important to have classic car insurance, specifically restoration coverage, from the moment of your purchase. Stop by White Oak Insurance LLC to learn more.

What does restoration coverage provide?

You get the peace of mind of knowing that if anything happened to your classic while you restore it, you would not lose the money you already invested. Adding restoration coverage to your classic car insurance means your policy automatically adjusts the value of the vehicle over time, typically on a quarterly basis.

Restoration coverage does come with one stipulation. You must restore your classic car using original manufacturer (OEM) parts and to the vehicle’s original design. That means you cannot use aftermarket parts. You also can’t make modifications to the original design; otherwise, it would not technically qualify as a restoration.

If you want the body of the classic vehicle but to upgrade the internal parts – the mechanical – to modern specifications, you’ll need standard auto insurance for it. If you want to restore a classic vehicle to its original factory-made specifications, you can cover it with classic car insurance and include restoration coverage on the policy to protect your ongoing work.

Advantages of Classic Car Coverage

Classic car insurance saves you money and costs less than regular auto insurance since you agree to drive the vehicle less frequently and keep it in a covered, secured garage.

Contact White Oak Insurance LLC serving Milford, CT to learn more about your classic car insurance options. Call us today.

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