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Classic Car Insurance in Toronto

Collector and Classic Car Insurance

Collector and Classic Car Insurance

For Your Antique and Vintage Ride

As a classic car owner, you know just how much these collector items are worth — and what it means to protect them, whether they’re sitting for display in the garage, or still sturdy enough to rev up. Your classic car only gets better with time.

Classic Car Insurance by Marathon

Preserving Antiques. Protecting the Classics.

Whether it’s a rod or replica, a Model T roadster, or a beetle, your classic car deserves only the best. With your antique ride’s skyrocketing value throughout the decades, you need an insurance policy that reflects its priceless value.

Your Marathon Insurance broker works with specialty insurance providers to protect your classic car and vintage automobile. We equip your classic with comprehensive coverage tailored to its type, age, and condition to protect its full value. Whether your classic car has been with your family for generations, or you just started restoring and collecting, we get you the best rates and coverages made for these one-of-a-kind antiques.

How It Works

Get Your Personalized Classic Car Insurance Quote

  1. Get a quote: What’s your vintage ride? What makes it a true collectible? Tell us about your classic car. Your Marathon insurance broker will obtain quotes from specialty insurance providers, at the most competitive rates.
  2. Tailor your coverage: Give your classic car the protection it deserves. We equip your vintage ride with the best coverage options to preserve its value and condition, and help you curate your collection for generations.
  3. Manage your policy: Use the Marathon app anytime to access and upgrade your policy, file a claim, and request 24/7 support.

Is Your Car a Classic?

Eligibility for Classic Car Insurance

Age is the number one indicator of a classic — a piece of history and a different time that’s made it through the ages. But not all old cars are classics. Classic car insurance is reserved for vintage collectibles: limited editions, custom parts, an icon of its time, and even driven by someone famous. Here’s what it means to sit behind the wheel of a true classic:

Classic car

A vehicle between 10 and 24 years old with historical value or significance, such as a hot rod or muscle car

Antique car

A vehicle that is 25 years old or more, with historical value.

Limited use

Your classic or antique car is not meant for everyday rides. To qualify as a collector car, it must only be used at car shows and exhibitions, parades, and infrequent leisure driving.


A classic car must be in good condition in order to retain its value and appreciate over time. It must be restored and maintained to preserve its original condition, or is currently undergoing restoration.


Classic cars are valuable, and with challenges to restoration, may be prone to damage. To keep your classic car secure, it must be stored in an enclosed building where it is kept safe.

Classic Car Insurance Coverage

Protection for Heirlooms and Restorations

At Marathon Insurance, our brokers understand the value and significance of collector cars. We calculate their value based on their age, condition, and type.

Our guarantee is a fully customized classic car insurance coverage that captures their decades of survival throughout automotive innovations. Whether your classic car is a family heirloom or a recent restoration, we help you preserve your piece of history.

Guaranteed Value

Receive the stated value of your classic car based on the agreed fair value for this antique or vintage automobile in case of a covered loss.

Flexible Usage

Protect your classic car on hobby or leisure drives, as well as parades and exhibitions with standard auto insurance coverage, such as third-party liability and medical benefits. Guarantee repairs and restoration in case of an accident caused by an uninsured or underinsured motorist.

Collision and Comprehensive Coverage

A classic car in excellent condition has the highest value. Protect your vintage model and secure its value with collision and comprehensive coverage against all types of traffic and natural hazards.

Vehicle Under Construction

Extend Guaranteed Value coverage when your classic car undergoes building or restoration. Choose a mechanic you trust for restorations in the event of a claim with the Repair Shop Choice guarantee.

Cash Settlement

Throughout its decades of survival, it’s unfortunate to see a classic meet a tragic fate. If your classic car is beyond repair, you can collect the full Guaranteed Value less your deductible, and keep the salvaged parts.

Market Appreciation Coverage

Is your classic car coverage up-to-date? Cover up to 125% of the insured value as your vintage ride appreciates through decades.

Marathon Protection

Preserve Your Classic Car

At Marathon Insurance, we know our antiques and vintages. Our team of insurance brokers share your love of the classics, and we’re here to protect them. With tailored classic car insurance, you can drive, display, and preserve your collection with ease and confidence.

Grow your classic car’s value over decades, and cherish your collection through generations. Get repairs and restorations covered to maintain these priceless antique and vintage automobiles. Call Marathon today for the most competitive quotes and comprehensive coverage options, and get 24/7 customer support for protecting your classic ride.

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