Classic car insurance is a specialized type of policy designed to protect vehicles that qualify as classic, antique, or exotic models. These policies often have specific terms; one common specific is who can drive the insured vehicle. Here’s a look at who might be permitted by a classic car policy to operate the vehicle.
Designated Drivers on the Policy
Many classic car insurance policies list designated drivers who are allowed to operate the vehicle. If designated drivers are explicitly listed on a policy, they’re likely the only ones who can drive the car. Coverage may be voided if anyone else gets behind the wheel.
If a policy doesn’t have an explicit list of designated drivers, then most licensed drivers can likely operate the vehicle — so long as they aren’t in an excluded category.
High-risk drivers, such as those with DUIs or a history of serious traffic violations, are often not permitted to drive under a classic car insurance policy. They may not be able to get their own classic car policy, and other driver’s classic car policies will almost certainly void coverage if a high-risk driver gets behind the wheel.
If you own a classic car and recently got a DUI, we at Kinowski Agency Inc. can help you explore what your options are. While many policies for classic vehicles might exclude you, there are usually some available that won’t. We’ll look at what options are available to Amsterdam, NY drivers in your situation and find the best solution.
Sometimes policies exclude young drivers from operating vehicles insured with classic car insurance. Young drivers are typically those under the age of 25.
Check Your Policy’s Terms
While these are common restrictions, every classic car insurance policy has its own terms that dictate coverage. If you’re in Amsterdam, NY, we at Kinowski Agency Inc. can help you find a policy that has terms that allow you and your family members to drive a classic car.