Classic Car Insurance King

Why Classic Car Insurance is Different

Classic cars aren’t like everyday vehicles—they require insurance that understands their unique value, usage, and care. Standard auto insurance often falls short when it comes to rare or vintage vehicles. Oracle RMS offers specialized coverage that addresses these key differences:

• Agreed Value Coverage vs. Market Value: Standard policies often pay out based on market value, which can undervalue rare or fully restored vehicles. Agreed value coverage ensures your car is insured for its true worth, giving you peace of mind in case of a claim.
• Restoration & Rare Parts Protection: Classic cars often rely on hard-to-find or expensive components. Our policies cover the cost of sourcing rare parts and any restoration work, protecting your investment every step of the way.
• Limited Usage & Leisure Driving Considerations: Many classic cars are driven only occasionally—for shows, weekend drives, or special events. Our coverage accounts for limited use, ensuring your car is protected without unnecessary costs.

With Oracle RMS, your classic car isn’t just insured—it’s safeguarded as the valuable, cherished investment it truly is.

Eligibility for Classic Car Insurance

Not every vehicle qualifies for classic car insurance. Oracle RMS works with owners of older, specialty, and collectible vehicles to provide coverage that fits their unique needs. Key eligibility considerations include:

• Vehicle Requirements: Typically, classic car insurance is available for older or specialty vehicles that are not used as daily drivers. These are cars valued for their rarity, history, or restoration quality.
• Usage Expectations: Policies are designed for limited annual driving—often for weekend cruises, car shows, or special events rather than daily commuting.
• Documentation: To ensure proper coverage, insurers usually require detailed documentation, including photos of the vehicle, professional appraisals, and maintenance or restoration records.
• Storage Requirements: Classic cars should be stored securely, often in a garage or climate-controlled environment, to minimize risk and maintain their value. Proper storage is typically a requirement for eligibility and can even influence premiums.

By meeting these eligibility criteria, you ensure your classic car is protected by a policy that truly understands its value and usage.

Coverage Options

Classic cars have unique needs, and Oracle RMS offers coverage designed to protect your investment, your passion, and your peace of mind. Key coverage options include:

• Agreed Value Coverage: Unlike standard policies that pay out market value, agreed value coverage ensures your classic car is insured for its true worth. In the event of a claim, you’ll receive a payout that reflects your vehicle’s actual value.
• Restoration & Rare Parts Protection: Classic cars often require hard-to-find or costly parts. Our policies cover the replacement or restoration of these components, helping you maintain your vehicle’s originality and value.
• Liability & Comprehensive Options: Protection against accidents, theft, or natural events gives you confidence while driving, showing, or storing your vehicle. Comprehensive coverage ensures you’re safeguarded from a wide range of risks.
• Optional Add-ons: Customize your policy with additional protections such as transportation coverage, show or event insurance, or coverage for a spare vehicle. These add-ons let you tailor your insurance to your lifestyle and usage patterns.

With Oracle RMS, you can choose the coverage that best suits your classic car, ensuring complete protection while keeping your premiums aligned with your needs.

Why Choose Oracle RMS

Choosing the right insurance for your classic car is about more than just coverage—it’s about expertise, flexibility, and trust. Oracle RMS offers:

• Personalized Advice: Work with specialists who understand the unique needs of classic car owners.
• Flexible Policies: Coverage tailored to your vehicle, usage, and lifestyle.
• Local Expertise: Knowledge of Canadian and regional regulations to keep you fully compliant.
• Peace of Mind: Protect your investment with confidence, knowing your car is in expert hands.

Protect your classic car today—get a personalized quote from Oracle RMS.

The Right Coverage For You

At The Best Price

“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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