Frequently asked questions

Agreed value (also called stated value) means you and the insurer agree on the car's value upfront. If it's a total loss, you receive the full agreed amount — no depreciation deducted. This is essential for collector cars whose value often appreciates over time.

We use your stated value combined with current market data for your specific make, model, year, and condition. Our Vehicle Intelligence system cross-references recent auction results, private sales, and registry data to validate your estimate.

Coverage includes car shows, club events, weekend pleasure drives, parades, and occasional transportation. Policies typically exclude daily commuting and commercial use. Storage, transit, and agreed-value theft are included on all tiers.

Yes. Modifications must be disclosed and will be assessed individually. Performance upgrades, custom bodywork, and period-correct restorations can all be covered — often at agreed value that reflects the modification's contribution to the car's worth.

Collector car policies include an annual mileage allowance, typically 2,500–7,500 miles depending on your tier. Low annual mileage is one of the key factors that keeps premiums low for collector vehicles.

Roadside assistance is included in the Classic and Premier tiers. This covers towing, flat tyre assistance, battery jump-starts, lockout service and fuel delivery — all with specialist handling appropriate for collector vehicles.

Yes. Multi-vehicle policies are available and often carry a premium discount. Each vehicle is assessed individually so its agreed value and usage reflect the specific car, not a blanket figure.

All policies include nationwide coverage. Transit to and from shows, events and club gatherings is covered. If you're transporting the vehicle on a trailer or enclosed carrier, that is also covered under the Premier tier.

Claims can be filed through My CS Vault, by phone at 1-800-555-1234, or by email. Our claims team is staffed by people who understand collector vehicles — you won't be speaking to a general lines adjuster.

Yes. Your vehicle is covered year-round including periods in storage. The Premier tier includes additional protection against storage-related risks such as flooding, fire and theft from a locked facility.