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Driver Eligibility Overview:
1. Each household member of driving
age must have at least 10 years driving experience or be excluded.
2. Each household member must
have a regular use vehicle less than 15 years old that is
insured with liability limits equal to or higher than the
limits being applied for on the collectible vehicle.
3. All licensed members of
household and any other drivers of the vehicle must be listed
on the application.
4. Maximum of two accidents
or violations in the household, maximum of one per licensed
household member in past 3 years. No major violations permitted
in past 5 years.
5. A Driver Health Questionnaire
must be completed for all drivers over 70 years old.
Vehicle Usage:
1. Autos insured must be stored
in a locked permanent garaging facility when not in use.
2. Autos insured may not be
used for commuting to or from work or school, used for business
purposes or as a substitute for another auto.
3. Autos insured are not covered
while on a racetrack or when being used for: racing, speed,
driver’s education, or timed events.
Vehicle Condition and Valuation:
1. Must display pride of ownership:
well maintained, in restored or well-preserved condition.
2. Vehicles under restoration
must be stored at residence or a restoration shop, with a
target date for completion. Agreed value coverage is not available
on cars under restoration. Eligibility subject to company
review.
3. “T-Bucket” and
Pro Street vehicles are subject to company review.
4. Trucks and Jeeps must be
over 25 years old, and not be used for towing, hauling, off-road
or utility use.
5. Companies generally do not require appraisals,
but may ask for one if vehicle value is difficult to determine.
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