Classic Car Insurance

We know that antique and classic cars require special care and attention.

If you own classic cars, antique cars, or vintage cars, you have likely invested in restoring your vehicle and maintaining it. Its protection is important to you.

This is why we partner with Hagerty to offer car insurance that is specific to antique and classic vehicles. Our insurance company is committed to supporting you with the best classic car insurance available in Guelph, Fergus, and Shelburne so that you can rest assured that your collector vehicles are fully protected.

See below for more information on the types of antique and classic vehicles we cover, as well as discounts and additional rating available.

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Get Better Coverage for Less

At Ostic, we partner with Hagerty Insurance. Hagerty is a niche insurance provider — they are solely focused on classic cars and have a thorough understanding of the value of your automobile, types of usage, and coverages.

Hagerty prides itself on providing better coverage built for classics at a price you can afford. Coverages include:

  • Flexible usage: allowing for the ability to cruise around town or drive to a car show.
  • Flatbed roadside assistance: offering best-in-class, guaranteed, roadside assistance.

You also have the option to add Hagerty Plus® coverage to your plan. This additional coverage was created specifically with temperamental classic cars in mind and provides you with 24/7 full-service towing and roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery, and more.

Can you hear it? The roar of the engine, the hum of the tires on the road, and the ‘ooooh and ahhhh’ sounds of the people you pass on the sidewalks. Yes, it’s almost time to get out your classic car and enjoy another season of driving.

Before you pull off the dust cover from your beauty, we recommend making sure that you have the appropriate coverage to take it out on the road.

Benefits of the Hagerty Program

  • No appraisals- You  know what their cars are worth. In most cases, we simply take your word.
  • Multi-vehicle liability discounts
  • Collectors pay less for liability rating.
  • Repair shop of choice – Select the repair shop you want or fix it yourself.
  • New purchase rating (up to $25,000) –  Immediate rating for your newly purchased collector vehicle
  • Hagerty plus – The only roadside assistance program designed specifically for collector cars, offering superior benefits and greater convenience than any other program on the market.
  • Guaranteed flatbed recovery with unlimited service events.
  • Hagerty Plus clients also receive Registered Membership in the Historic Vehicle Association and many other benefits

Why Classic Car Insurance is Important

Can you hear it? The roar of the engine, the hum of the tires on the road, and the ‘ooooh and ahhhh’ sounds of the people you pass on the sidewalks. Yes, it’s almost time to get out your classic car and enjoy another season of driving.

Before you pull off the dust cover from your beauty, we recommend making sure that you have the appropriate coverage to take it out on the road.

There are a wide range of coverage options available for collector vehicles, such as classic cars, antique cars, or vintage cars. It is important to find an insurance broker with the right options available for your specific vehicle and coverage that matches the requirements of your lifestyle.

Classic Car Valuation

We know that every classic car owner prides themselves on maintaining their vehicle. Whether you display it at car shows or take your better half for a ride, your classic car is highly valuable.

Determining the value of your classic car can be a complex task requiring the referencing of historic values against your particular vehicle, current values of similar vehicles for sale online, model history and specifications, and financial benchmark indices.

The good news is that Hagerty makes this process easy with their online valuation tool. You can receive an accurate valuation of your classic car, classic truck, classic military vehicle, trailer, tractor, or even a vehicle in process of restoration.

Click here to learn more about the Hagerty valuation tool and classic car market trends.

Qualifying For Classic Car Insurance

Qualifying is easy — all you need is a ‘daily driver’ in your household to qualify your classic car as a ‘pleasure-use vehicle’.

Insuring your classic car as a pleasure-use vehicle means that you won’t have any fixed restrictions or mile limitations on your classic, and you will be protected with full coverage for liability, collision, comprehensive, and loss of use.

The Ostic Group is proud to provide Hagerty Insurance to our customers. Hagerty Canada has the most knowledgeable claims team in the insurance industry with over 300 hundred employees focusing on the antique and classic market to properly assess and manage damage to classic vehicles.

For more information on collector car insurance, contact the team at Ostic. We’ll help make sure you’re covered when you get your classic out on the road.

See below for the types of cars we cover:

Antique & Classic Vehicles

Stock vehicles built from the turn of the century through the 1960s are included. Examples are:

  • Horseless Carriages or Brass Cars (Pre-1915)
  • Antique and Nickel Era Cars (Pre-1925)
  • Classic Cars (1925 – 1948)
  • Post-War Classics
  • Stock Vehicles (up to 1969)

Antique Tractors

The hobby of collecting antique tractors is a small, but very enthusiastic, segment of the collector vehicle market. To be classified as an antique farm tractor, the vehicle must be from 1980 or earlier, but in restored or excellent original condition. The vehicle must be used similar the a collectable vehicle, not for utility or farm usage. Finally, the tractor must be stored in a garage and have a minimum value of $3,500.

Modern Classic Vehicles

Modern Classic Vehicles are collectible vehicles from the 1970s and early 1980s. To be included in this category, the vehicle must fit a number of specifications. First, the vehicle must show a trend of an increasing market value. Second, an owner of a 1970s or early 1980s vehicle must demonstrate that he or she is treating the vehicle like a collectible. Examples of appealing and collectible vehicle characteristics include:

  • Convertibles
  • 2-door sports cars
  • Unique body shapes
  • Foreign sports cars
  • Muscle cars

Exotics And Special Interest Vehicles

Exotic vehicles stand on their own as collectible cars because of their extremely limited production. Exotic vehicles must be 15 years old or older, and generally have production numbers of less than 3,000 per year. Vehicles of this type typically maintain a value of $100,000 or more. Sports cars and/or special-edition vehicles are characteristics of Special Interest. Most hobbyists would consider a Special Interest vehicle collectible once it becomes 25 years old.

Most Military Vehicles

Older military vehicles are becoming increasingly popular, making them a growing segment of the collector vehicle hobby.  Due to this, we offer a program to cover military vehicles that have been purchased as a collector vehicle. These military vehicles must be from 1985 or older, with a minimal insured value of between $3,500 and $5,000. The vehicles must also be de-militarized, and not used for off-road usage or battle re-enactments.  Some examples of these vehicles are:

  • WWII Jeep
  • Half Track Vehicles


A replica car is a reproduction of an automaker’s manufactured vehicle that are no longer in production. They can either be professionally assembled or home-built and, because of this, they will vary greatly in their quantity level. Some examples are:

  • 1950s Porsche Speedster
  • 1920s Mercedes Roadster

Modified Vehicles

A vehicle is considered modified when the performance has been significantly increased, the body/chassis/frame has been structurally altered or a custom paint job is valued above $10,000.

Antique Fire Trucks

Antique fire trucks include vehicles from 1982 or older that have retired from service.