Collector Vehicles
Qualifications
Your collector vehicle (original or modified) may qualify if it is:
At least 15 years old (In Massachusetts vehicles must be at least 25
years old to qualify.)
Garage-kept
Driven on a limited, pleasure-only basis (up to 5,000 annual miles -
available in most states)
You may also qualify by:
Having at least 10 years driving experience
Having a good driving record
Having at least one "regular" vehicle for every licensed driver
in the household
Since American Collectors places certain usage restrictions on the vehicles we insure (e.g., cannot be used for everyday driving; must be garage-kept), and since our customers are safe, experienced drivers, we are able to offer low "collector" rates.
At the same time, the physical damage coverage we provide is Agreed Value, which pays a vehicle’s full insured value in the event of total loss - meaning there is no depreciation of vehicle value. Also, our policy provides "Inflation Guard," which increases vehicle value by 2% every three months, up to a maximum of 8%, at no additional cost (not available in MA, TX or VA).
Collectibles
Qualifications
More than one collection in your household may be covered by the same policy. Here is a partial list of the items we insure:
 |
Figurines | |
Collector Plates |
|
Dolls | |
Ornaments |
|
Teddy Bears | |
Animation Art |
|
Vintage Toys | |
Disneyana |
|
Model Cars | |
Model Railroads |
|
Miniatures | |
Carousel Animals |
Please note: Coverage is not currently available for "paper" collectibles such as stamps, cards and documents, nor for record albums/video cassettes, china/flatware, watches/jewelry, coins, firearms, furniture or fine art.
Note: Collectibles program is not currently available outside the US, nor in AK & HI
Classic Motorcycles
Coverage Overview
American Collectors offers full coverage for antique & classic motorcycles. The program is available in all states except AK, DC, HI, and NY. Note that the program is available for physical damage only in CO, KY, NC and TX.
To qualify, a motorcycle must be at least 15 years old (at least 25 years old in MA), garage-kept, and driven no more than 2,500 annual miles (hobby activities/pleasure cruising only). We will consider a single qualifying motorcycle as well as larger collections. The program provides:
Agreed Value Coverage - Pays the motorcycle's full insured value in the event of total loss. (Not avail. in MA,TX or VA)
Inflation Guard - Automatically increases motorcycle' s value by 2% each quarter (up to a max. of 8%) at no additional cost. (Not avail. in MA, TX or VA)
Flexible Usage - Our policy does not have an "attendance" requirement for loss settlement. Insured motorcycles may be ridden & enjoyed, so long as they are not used for general transportation.
Automatic Coverage for Newly Acquired Motorcycles - Qualifying bikes purchased during the policy term are automatically covered for 30 days for values up to $25,000. (Not avail. in MA or VA)
$500 Spare Parts - Should damage or loss occur to a classic "spare part," our policy provides up to $500 coverage at no additional cost. (Not avail. in MA, TX or VA)
Hassle-free renewals - We do not require a completed application at renewal. Also, renewals are billed direct.
Qualifications
Your collector vehicle (original or modified) may qualify if it is:
At least 15 years old (In Massachusetts vehicles must
be at least 25 years old to qualify.)
Garage-kept
Driven no more than 2,500 annual miles
You may also qualify by:
Having at least 10 years driving experience
Having a good driving record
Having at least one "regular" vehicle for every licensed driver
in the household
Since American Collectors places certain usage restrictions on the vehicles we insure (e.g., cannot be used for everyday driving; can be driven no more than 2,500 miles per year; must be garage-kept), and since our customers are safe, experienced drivers, we are able to offer low "collector" rates.
At the same time, the physical damage coverage we provide is Agreed Value, which pays a vehicle’s full insured value in the event of total loss - meaning there is no depreciation of vehicle value. Also, our policy provides "Inflation Guard," which increases vehicle value by 2% every three months, up to a maximum of 8%, at no additional cost (not available in MA, TX or VA).
You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way). Click here to obtain an instant rate quote and policy application.
Note: Program not currently available in AK, DC, HI or NY.
